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Get a life (insurance policy) – before it’s too late (2)

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Right, we have got our heads around the plain fact that one day we will die – and not necessarily as an ancient relic.

You might well be run over by that proverbial bus, have a sudden heart attack while waiting for that proverbial bus or even have a seizure while sitting on that proverbial bus.

OK, bad luck, the bus has done for you. But are you sure it wouldn’t be even worse luck for your family or partner? If you are earning a good salary, for example, and others as well as yourself are dependent on it then how will they cope financially?

This is a question it would do most of us good to ask because too many people pop their clogs leaving others in the mire. At the risk of sounding boring it is now time to get a UK life insurance quote.

So what is life insurance? That’s dead easy – it is an insurance policy that will pay out a lump sum in the event of your death.

What sort of life insurance policies are there? Basically three: term insurance, whole life insurance and endowment insurance.

Are they difficult to understand? No. Term insurance pays out if you die within a specified term – it could be 10, 15 or 20 years. Whole life gives protection all your life. Endowment is life insurance with a savings element; you pay your premiums for a set term (see above) and at the end of that term you receive a lump sum (see article 3 for how this is worked out).

So is any of that hard? Of course not – so get a UK life insurance quote now.

For more information on life insurance, go to the Association of British Insurers (ABI) on


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