Frequently Asked Questions

Here we answer all the questions you may have about life insurance policies and using Pure Cover. If you have any further questions you can simply contact us.

Questions about our service

Q: What does Pure Cover do?

A: Pure Cover provides essentially is a middle man that saves you time. We have gathered all the top providers of the life insurance industry and will get quotes from all of them on your behalf upon an application. Providing you with the option to compare the market, without having to apply to each seperately.

Q: What is the process if I want to go ahead?

A: If you'd like more information on the process that you're taken through once you have decided you wish to get a quote on a policy you should view our how it works page.

Questions about life insurance

Q: Why Should I Purchase Life Insurance?

A: People choose to purchase life insurance for a number of different reasons. However, the peace of mind that they get from knowing that if they die, their loved ones will not have to worry about paying large debts, such as a mortgage or car payment is, in many cases, the only incentive they need.

Q: How Much Cover Will I Need?

A: The amount of cover that you will need will depend entirely on your own individual circumstances, the debts that you owe and what you would like to pay off with a lump sum. For example, you may want to pay a large mortgage, a car payment and your funeral expenses from your lump sum.

Q: How Long Should My Policy Be?

A: Your policy term will determine how long you would like your insurance cover to run for. Typically, you will be able to choose anything from 5 to 40 years, depending on your age. You are able to take out an insurance policy between the ages of 17 and 90.

Q: What is Decreasing Term Insurance?

A: A Decreasing Term Insurance policy means that the amount your insurer will pay out on the event of your death will decrease over the term of your policy. This type of insurance will often be used if you would like to pay off a repayment mortgage or other loan that will decrease as you make monthly payments. This is a cheaper forms of life insurance for this reason.

Q: What is Level Term Insurance?

A: A Level Term Insurance policy means that the amount of money that your insurer pays out if you die is the same, throughout the whole of the policy. This type of insurance policy will often be purchased by those that have an interest only mortgage or would like money left over after the mortgage has been paid off, to help their family.

Q: What Is Critical Illness Cover?

A: Critical Illness Cover can protect you and your family from the financial hardships that you may face if you suffer from a critical illness. The illnesses that are included differ from policy to policy and in most places the higher your premium, the more illnesses your policy will cover.

The money that you receive if you make a claim on your insurance policy could be used to pay off your mortgage, priority outgoings and general necessities.

Q: What Type of Insurance Do I Need?

A: With all the choices that are available when it comes to life insurance, it can be a daunting prospect trying to narrow it down to the one that is most appropriate for you. However, it is vital to choose the correct cover for you and this can be done by researching the different types of cover and being open and honest about your requirements.

Q: How Does the Process of Buying Insurance Work?

A: To start the process you will need to fill out one of our online enquiry forms so that one of our experts can contact you and discuss your requirements. You will be guided through the entire process and present you with your most appropriate options. You will then be able to make an informed decision about the various policies that are available.

Q: What is Non-Disclosure?

A: Non-disclosure applies to any application form you fill out for insurance where you have knowingly provided an insurer with information that has been dishonest or untruthful. In the event of non-disclosure, your application for insurance may be declined, or if you have already been accepted you or your family may not receive any money if a claim is made.