How to know if you need a life insurance policy
We say this all the time but life insurance really isn’t a one size fits all. There’s so many different factors that contribute to the way your policy will turn out and a lot of it is dependent on what point you’re currently at in your life.
At Caspian, when you come to us about life insurance, we are in our element. Life insurance is what we do and with 200 years of combined experience in the life insurance industry - we like to think we know our stuff!
What point are you at in your life?
Whether you’re stepping foot on the property ladder, settling down or you’re still swiping right, there will most likely be a life insurance policy out there for you.
One thing that will come up in conversation when speaking to one of our protection specialists is what your current lifestyle is like and what your financial priorities are. So if you know that starting a family is something you see in your immediate future then we will automatically refer you to one of our young family specialists.
Or if you were to tell us you are currently starting a new business venture, for example, then we would recommend a completely different policy in comparison to someone who is just getting a mortgage.
It’s never too soon
To put it bluntly, you can never get a life insurance policy too soon. Securing the right cover when you’re younger will most likely result in you paying cheaper monthly premiums, as generally your risk of passing away or becoming critically ill is much lower when you’re younger.
Having the right protection in place at the right time could be the difference between leaving your loved ones with a whole load of debt and unpaid bills or leaving them with a little nest egg to fall back on.
Wondering if you can afford it?
One of the biggest reasons people put off getting a life insurance policy is the cost. But life insurance being expensive is often a massive misconception as everyone's life insurance policy is totally unique to them.
When you speak to our specialists, they will create a policy for you based on the information you provide to them over the phone which will include information such as:
- Your age
- If you're a smoker or not
- Your lifestyle and health
- Your family's medical history
The above examples are just a few of the many things we need to know in order to create the right life insurance policy for you.
Why Caspian?
You’re probably wondering how we can help with all of this? Well, the answer is simple. At Caspian, we do all of the difficult bits for you. No question is too silly and no amount of questions is too many.
So if you choose us to help you with your life insurance then we can ensure that your needs and wants will be listened to and as a result you’ll end up with a policy that can help protect your loved ones if the worst were to happen. Click the button below to get started with your life insurance quote today!
