Life Insurance

Not all life insurance is the same. Learn more about the types of insurance available before you pick which is best for you.

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Life Insurance

What is Life Insurance?

Life insurance cover is a type of policy that will pay out a lump sum payment to your loved ones, should you become ill or pass away during the contracted term. It allows your family to deal with any financial worries, should the worst happen.

There are a number of types of life insurance cover, with each type having its own benefits for your family. By understanding the different policies available to you, you are able to make an informed decision and invest in the most suitable life insurance policy for you and your loved ones.

Do I need Life Insurance?

You may consider life insurance cover if you have family members who rely on your income, such as a partner or children. A life insurance pay-out can help to provide for your children as they grow up if they can no longer rely on your income. If you own a home, life insurance cover can help your partner or family to pay off the mortgage.

How does Life Insurance work?

If you were to pass away during the contract term, your life insurance policy will pay out money to your family, usually in the form of a lump sum or instalments. The amount of money paid out will depend on the level of cover you buy. With most life insurance covers, you will have control over the policy and can decide the length of the cover, the amount and who will receive the pay-out.

Why should I consider Life Insurance?

The right life insurance cover could help to replace your monthly income, in order to help your family with everyday living expenses. It might also cover any medical bills, pay off debts and help with any estate-related matters. It doesn’t matter whether you are young or old, single or married; life insurance cover can bring you peace of mind and provide protection for the uncertainties in life.

How Much Life Insurance Do You Need?

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This calculator is for informative purposes only and is not to be taken as financial advice, for accurate financial advice please consult with an advisor from Caspian Insurance.

What Our Customers Say

Never had life insurance before just one of those things I never had got around to do. But when Josh Swindells rang from Caspian Insurance he made an easy and painless experience explaining everything...

Colin

Absolutely fantastic service. Reassured me all the way through the service. Both agents were very helpful and helped me find the perfect life insurance for me and even added my daughter onto the policy...

Gill

Not pushy at all, but confident, helpful, knowledgeable, and very efficient in sorting out Mortgage Protection insurance for myself and my wife.

Guest

After becoming a new mum I was so aware of how important it was for me to get some life insurance. Upon calling I was transferred to Curtis who is a young family specialist. He was fantastic and lovely to talk to and...

Kellie

I found them to be very helpful and not at all pushy, which is what I was worried about when enquiring about life insurance. Everything was explained really well to me, I feel like I got a great deal that I wouldn’t have...

Lucie

I could not recommend enough. My advisor was lovely polite and very understanding throughout the whole call. She put me at ease as this is not something I’ve ever thought about & she promoted everything...

Jasmine

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