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Life Assurance | Life Cover
Just relax and let Top Quote UK compare all the leading Life Assurance Companies for you within minutes.
Why Choose Top Quote UK for your Life Assurance (Cover)?
- Free Online Quotes and a Simple Online Application - making your search easier.
- Free and Independent Advice on all Life Assurance Policies - let our professional advisors help you.
- No Salesperson will Visit - all contact with friendly UK based staff via telephone / email.
- We Search all of the Leading Life Cover Companies - to make sure that you get the cheapest and most suitable policy.
- We Don't Charge you a Fee - all advice is free.
- Assistance and Guidance for Writing your Life Assurance in Trust - let us help you avoid inheritance tax.
- Over 40 years Total Experience - Old fashioned values - Modern technology.
- Top Quote UK are one of the Largest Internet Brokers for Life Cover - trust Top Quote UK, the experts in Life Assurance.
What is Life Assurance?
Life Assurance is a cost effective Insurance policy that pays out a lump sum of money to your loved ones in the event of your death. Life Assurance is one of the most important Insurance policies for anybody with a family, after all you insure your car, house, appliances and material goods so why not Insure the one thing that provides all of these... you!
Why Do I Need Life Assurance?
Have you though about what would happen to you family if you were to die? It's certainly not something that people like to think about but in fact it's perhaps one of the most important things for you to consider. If you weren't there, would your loved one's be able to continue their standard of living, keep up mortgage payments and buy food and clothes? It's more than likely that they would struggle and may have to make drastic changes to their lifestyles in order to cope financially. All of this on top of losing you would undoubtedly make their lives very difficult.
Whilst it seems a bleak picture to draw, there is an easy and affordable answer... life assurance. It doesn't take long to set up, all it needs is a quick call to Top Quote UK, where our friendly UK based advisors will happily advise you on the most suitable and cost effective policy to suit your needs and you can then protect your loved ones in against such a situation.
Which Life Assurance Cover is Right for Me?
Here are the five main types of Life Assurance:
- Increasing Life Assurance / Index Linked Life Assurance: Probably the most robust policies, where the value increases each year, usually in-line with inflation. This is a great policy for offsetting the effects of inflation and ensuring that your policy keeps up its value.
- Level Term Life Assurance: The value of these policies do not change, i.e. the sum assured stays the same. Level Term Policies are frequently used to provide protection for a family and to cover interest only mortgages.
- Mortgage Life Assurance / Decreasing Life Assurance: The sum assured (policy value) decreases throughout the term of the policy. Decreasing Life Assurance is often used to cover reducing loans such as repayment mortgages.
- Family Income Benefit: Pays out a monthly income rather than a lump sum in the event of death. This is often the cheapest type of life cover and is usually for providing a replacement of income to family members in the event of death.
- Whole of Life Assurance: These policies do not have a fixed term and will run until the life assured dies. Usually the most expensive polices as they guarantee to pay out as long as the policy is kept in place until death occurs.
Here at Top Quote UK we pride ourselves in giving excellent advice on all life assurance (cover) policies.
You can either request an instant quotation online or by calling one of our fully qualified advisors free on 0808 1782 777.
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