Author:Jonathan Harvey

Read:11 mins

Life Insurance Advice

Where can I get life insurance advice?

The best way to make a decision on most things is to get advice from the experts. The same principle applies to life insurance in the UK . If you are planning to take out life cover then there are a few interesting approaches that you should take in order to make the right choice.

Read some blogs

You can find out a huge amount of information about the best life insurance options just by looking online at some financial blogs. These offer a good way for a UK resident to find answers to specific questions or of just getting a feel for the topic.

Naturally, some blogs are better than others in life insurance advice. If you choose a blog run by a professional life company then you can expect to get reliable and trustworthy advice on life and critical illness cover.

Don’t rely on information from blogs that don’t appear to be of good quality. You can also compare life insurance advice on a number of different blogs and sites to get the full picture.

Talk to friends and family

Most of us know at least a few people who have already arranged some form of life cover, even if not everyone who should be covered has taken out a policy yet. This can be a great help when you are trying to sort out your own policy and get a good life insurance advice, as they are sure to be able to answer some of your questions and clear up some doubts.

It goes without saying that you don’t want to just get advice from friends and family without speaking to experts as well. However, a good combination of the two things can give you a great starting point for understanding the subject a lot better. Over time you will shape your own impressions and create your personal advice on life and critical illness cover.

Why not get going by asking a few people about their experiences with choosing life cover and whether there is anything that they would have done better with the benefit of hindsight? You might be surprised to find out how interesting this subject is.

Term Life Insurance Advice

Term Life Insurance is a type of life insurance policy that pays out an agreed lump sum should the policy holder pass away during the fixed term of the policy. It offers protection to an individual’s dependents in circumstances where the policyholder is unable to financially support them. The majority of term life insurance policies offer cover for a specified number of years, such as 5, 10, 20 and even up to 30 years, and provide peace of mind that should the policyholder passes away during the term of the policy, their family will be supported financially.

Check out reviews to get the best life insurance advice

There are lots of online life insurance comparison reviews that will help you to come to a good decision more easily. If you have the time to look through a few of these reviews then it will let you see some of the key points to take into account when looking for life insurance advice.

This means that you get to see more than just the price of the premium life assurance cover you are interested in getting. By finding out more about the world of life insurance this task can be done easily and perhaps even enjoyable.

In fact, by taking into account all of the above factors you can make a comprehensive life insurance comparison.

Term Life Insurance Advice

Term Life Insurance is an insurance policy designed to pay out a cash lump sum upon the death of the policy holder. These policies are popular with individuals who want to provide financial security for their loved ones. They are also popular with businesses who want to ensure that their workers can continue to receive their salaries if something were to happen to them.

Income Protection Insurance Advice

Income Protection is an insurance policy designed to provide a steady income for policy holders should they be unable to work due to illness, injury, disability or another event. The policy will provide a monthly income until the policy holder is able to return to work or until the end of the policy term. Income protection policies are popular with those with mortgages or dependents who rely on their income to cover their bills.

Pre Existing Medical Conditions

Pre-existing Medical Conditions are medical conditions that existed prior to the start of the policy. Depending on the insurer and the specific policy, these conditions may either be covered or excluded. If covered, any related medical treatments may be covered up to the specified amount. If a pre-existing medical condition is excluded from the policy, then any treatment related to that condition will not be covered.

Some life insurance advice factors

There are many things to consider when choosing a life insurance, here are some of the things to think about when looking for advice

  • Does the life insurance quote include a free gift such as ipad?
  • What are your specific needs? Accidental cover, Endowment cover , Death or Cancer cover?
  • Wherever you need a policy for yourself or whole family?
  • What term are you looking for? Whole life ? Term based?

There are many things to consider when seeking for life insurance advice. Some might be helpful and relavant, others more general, but clearly you need a good think before grabbing your free quote at Pure Cover.

Safely Buying Life Insurance

Prudential Regulation Authority

The Prudential Regulation Authority (PRA) is an independent body which regulates banks, building societies, credit unions, insurers and major investment firms. It is responsible for ensuring that these firms meet their financial obligations and operate in the best interests of their customers. The PRA works alongside the Financial Conduct Authority (FCA), which regulates consumer protection and market integrity issues.

Financial Conduct Authority

The Financial Conduct Authority (FCA) is also an independent body, responsible for protecting consumers, ensuring the integrity of financial markets, and promoting healthy competition between firms in the sector. The FCA regulates activities related to banking, investments, insurance and credit, and also has the power to take enforcement action against firms that do not comply with the rules.

Financial Ombudsman Service

The Financial Ombudsman Service (FOS) provides an independent and impartial dispute resolution service for customers who have problems with their banks or financial services firms. The FOS handles a wide range of complaints related to mortgages, investments, insurance, banking and other consumer credit products. The FOS can award compensation to a customer if the dispute is resolved in their favour.

Life insurance; do’s and dont’s


  • Check if the policy you’re taking out is flexible so you can make changes at a later date.
  • Regularly review your life insurance policy and change it when major life events occur, e.g. the birth of a child.
  • Ensure you are insured enough to cover your main debts and outgoings.
  • Put your life insurance policy in trust (this will save a lot on inheritance tax).
  • Buy life insurance while you’re young, as it’s cheaper.
  • Shop around and learn abut your options before taking out a policy.
  • Read the small print.
  • Tell your life insurance provider if you’ve stopped smoking.
  • Answer any questions asked by the insurance broker or in forms honestly and accurately.
  • Keep a copy of anything you sign for your own records.


  • Get a policy with a larger benefit than you actually need – you’ll be wasting money on premiums.
  • Take out a policy you haven’t researched.
  • Forget to factor in future costs, such as university fees etc.
  • Automatically assume joint life insurance is your best choice if you’re in a couple, separate policies may be a better deal.
  • Cancel any existing policies until your new life insurance policy has taken effect.
  • Take out life insurance specifically for your child (some policies include cover as an option), they don’t have any dependants.
  • Let anyone else fill in your life insurance form.
  • Miss your premium payment due dates.

Life Insurance Cover

Life insurance is a form of financial cover that can help to protect a person’s family financially in the event of their death. It works by providing a lump sum payment to those nominated by the policyholder when a claim is made. This lump sum payment can be used to help cover funeral costs, outstanding debts, or to provide a financial inheritance to loved ones. It can also be invested by a financial adviser to provide greater returns and additional income on death.

Inheritance Tax Advice

Inheritance tax is a tax that is paid on any wealth that is left to surviving relatives after someone dies. The amount that is liable to inheritance tax varies depending on the value of the estate and any other reliefs that may be available. It’s important to note that a life insurance policy can help to reduce the liability of an Inheritance Tax bill, particularly when the proceeds of the policy are used to offset any debts or costs that may be required to settle the bill.

Terminal Illness Cover Advice

Terminal illness cover is provided within a life insurance policy and can be used to help ease the financial burden of paying for end of life care or to help manage bills that may arise due to an illness. Generally, terminal illness cover will only pay out if a person is unlikely to recover from their illness and a defined level of illness has been reached as defined in the policy.

What is Cash Value with Life Insurance?

Cash value is the amount of money that can be paid out to the policyholder while they are still alive. This feature is particularly useful for those who may need access to the value of their policy before they die. However, it’s important to note that cash value withdrawal may reduce or even deplete the final death benefit due to the attached tax payments. Therefore, it is important to seek the advice of a financial adviser before taking any cash value withdrawals.

Seek a Financial Adviser for Advice

A financial adviser can provide useful advice on how to best manage a life insurance policy and the value of a policyholder’s estate should they pass away. They can provide insight into the best types of policies suited to the individual’s needs and provide guidance on how best to manage any cash value withdrawals when needed. They can also help to assess the suitability of potential policies using a detailed analysis of a person’s estate, helping to ensure the best possible returns on death.

Good financial advice is essential when it comes to selecting and managing insurance policies. Professional financial advisers have the knowledge and experience to help policyholders make informed decisions that best suit their needs. They can also provide assistance in understanding the terms and conditions of a policy, as well as any exemptions that may be available.

Life insurance advice summary

You don’t need to be an expert or spend a lot of time on it to understand which life policy to choose. Some simple pieces of research will give you the information that you need very easily. Speak to experienced people and refer to professional blogs to receive the best life insurance advice, be it on; critical illness cover or Over 50’s, you will find your perfect cover.

Level Term Life Insurance Advice

Level term life insurance is a type of policy that pays a lump sum benefit to a policyholder’s beneficiaries upon their death. During the policy term, a fixed amount of money is paid to the beneficiaries and the insurance company’s financial advisers will advise the policyholder on how to best use the money.

Travel Insurance Advice

Travel insurance is a type of policy that covers costs associated with travel, ranging from medical expenses to cancellation and baggage loss. Depending on the type of policy, travellers may be able to claim for any costs incurred while on their journey, such as medical bills, lost luggage, and more.

Term Insurance Advice

Term insurance is a type of policy that pays a fixed amount only if the policyholder passes away during the policy term. This type of policy typically does not have any cash value and is often inexpensive.

Advice on finding the best British Insurers

British insurers are a type of insurance company that operates specifically in the UK. They are regulated by the Financial Conduct Authority (FCA) and are known for providing quality customer service and financial advice related to insurance policies.

How can I get covered now?

This one’s easy! Click here to get yourself a free life insurance quote and start shaping your own life insurance advice.

If you found this indication on life insurance advice helpful, done your research and got the best advice on critical illness or life insurance, don’t wait, grab your free quote now!

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Jonathan Harvey is a distinguished expert with over twenty years' experience in the UK's life, health, and funeral insurance sectors. A Cambridge graduate and Fellow of the Chartered Insurance Institute, Jonathan has a proven track record in designing innovative insurance policies, and a strong reputation for making complex insurance matters comprehensible for the public. Known for his empathetic approach, he has helped thousands make informed decisions on their future security. Regularly contributing to leading publications and hosting educational workshops, Jonathan's commitment to client service and public education truly sets him apart in the insurance industry.

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