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Critical Illness Cover
Expat Life Insurance
Why 1st Financial Services ltd
You can learn more from our asked questions
Others will cover you for a set term. Mortgage life insurance, for example, will usually only cover you for the length of your mortgage.
In the end, it depends on your personal circumstances. Try our life insurance calculator below for a better idea of how long you'll need cover for.
Do you need your pay-out to cover your mortgage? How much would your loved ones need to live on after you’re gone? Do you have debts that need clearing?
For a real idea of how much cover to get, see our guide on how much life insurance do I need.
There’s benefits to each. Try our guide for a deeper look at how life insurance works.
Some conditions are excluded, such as terminal cancer and other high-risk illnesses, but cover varies from provider to provider.
Use our get a quote process to compare quotes and see if you’re eligible. Or check out our guide to see how your medical history can affect your premiums.
For tips on how to cancel your life insurance policy, and the things to look out for, see our guide.
Most people take out life insurance when they start a family or buy a house. According to our data, the average age for taking out a policy is 39**. This makes sense, as life insurance is particularly useful if you want to ensure your dependents are financially protected if you pass away.
You should be able to find life insurance to cover you up until your 90s, so age isn't the only determining factor in a life policy. But the earlier you get it, the cheaper your premiums are likely to be.
As with most things, it depends on your personal circumstances. But if you have dependents that rely on your income, taking out a life insurance policy as soon as possible may be your best option.
**(Based on Confused.com data from September 2019, the average age for a person taking out a level term assurance policy is 38.6.)