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Frequently Asked Questions
Answers to some of the most commonly asked questions
MoneySuperMarket: here to help you get the protection you need
Life insurance is a vital part of financial planning for anyone who has dependents. By ‘dependents’, we’re referring to those whose circumstances and material wellbeing would be affected by your death. So that means your partner, your children or anyone else who is financially reliant on you.
If you have a partner and children, then the two of you should think about life insurance, regardless of whether one or both of you are earning. After all, how would the family cope if the partner who stayed at home were to die? The survivor couldn’t just give up work to care for the house and children, so money would be needed to make alternative arrangements.
All this can be a delicate and even difficult topic to think about, which is why many people fail to act. But not doing anything puts their loved ones at grave financial risk. That’s why it’s crucial to grasp the nettle and get your life insurance – and that of your partner, if you have one – properly sorted out.
How does life insurance work?
Life insurance comes in a variety of forms. At its simplest, it pays out an agreed amount, either as a lump sum or as a regular income, if you die within a specified period – known as the ‘term’. Hence its name: term insurance.
You choose the amount to be paid – the ‘sum insured’ – and you decide the length of the term. But how do you reach your decisions? What factors should you take into account? What are the implications for the size of the premium of each decision you make?
We’re here to answer these questions. And help you find the best deal for your circumstances from the UK’s leading life insurance providers.
Protection equals peace of mind
Deep down, we all know we have a responsibility to provide for our dependents. It you have a family, it comes with the territory – it’s a simple as that.
But the business of everyday life can sometimes get in the way – so much to do, so little time.
That said, if you’ve got this far, you clearly understand your responsibilities and want to do something about them.
We can help. Our extensive range of guides, listed on the left, will tell you all you need
to know about how life insurance works. And you can click through to run a quotation before going on to buy your policy – and secure that priceless peace of mind that comes from knowing you’ve done the right thing.
How do we earn money on life insurance?
Life Insurers pay us every time someone buys life insurance through MoneySuperMarket. We often re-invest some of this money to help make our prices to you even lower.
Please read the following information about our service.
Life Insurance tips
Frequently asked life insurance questions
Life insurance can be an intimidating subject for many people – it’s not surprising that you may have some questions! We’ve answered the most common ones on our FAQ page, which you can find below.
Life insurance guides
If you’d like to read about the various life assurance products available to you, have a look at our life insurance guides in order to learn what the best life insurance policy is for you.
There are many different types of life insurance policy, and knowing what you’re looking for can make finding the right product for you a great deal easier.
How our site is paid for
We like being straightforward at MoneySuperMarket, so we want to let you know how we get paid.
How do we make money on life insurance at MoneySuperMarket?
Life insurance companies want to be on our site, and they pay us a commission every time somebody buys their life insurance through MoneySuperMarket. We also work with LifeSearch, an independent life insurance adviser, to help our customers find the right insurance for them. When someone buys life insurance from LifeSearch via MoneySuperMarket, LifeSearch pay us a fee.
Do we offer the ‘whole of market’ on life insurance?
We would like to offer our customers the whole of the market, but some life insurance brands choose not to appear on MoneySuperMarket. We include as many life insurance options as we can.
How do our relationships with life companies affect our service to you?
We never allow life insurance companies to get in the way of what’s best for our customers. So the way we show life insurance options are based on their benefits to you – such as how much it might cost when you make a full application – never what’s best for a life insurance company.
Why are we telling you this?
Our services are always free to you, our customers. But we think it’s important that we’re transparent about how we earn money, so you can be confident we put our customers first.
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