Life Insurance, Cheap Life Insurance and Life Insurance Quotes

Life Insurance Quotes

You'll be AMAZED how cheap your
life insurance can be !

Click here for details about our Donation Get a quote now & we will donate £1 to Save the Children

• Save Money - Prices vary greatly between insurance companies. Big savings can be made by finding the cheapest policy.
• All the best Insurers - To get the cheapest price for you, quotes are obtained from all the biggest and best UK insurance companies.
• Big Discounts - Once the cheapest quote is found, the price is discounted for even bigger savings !
• Save Time - Complete your details just once and those details are used to get quotes from all the insurance companies. All quotes are then discounted.

Providing deeply discounted quotes needs some real muscle with the insurance companies and a highly efficient service. That's why we've teamed up with Moneynet to organise your life cover .

Moneynet have teamed up with some of the UK's top life insurance brokers who compare the top life insurance companies to find you a really cheap life insurance quote. And there's never any compromise on price or quality!

Even if you already have life insurance, it's well worthwhile finding out if Moneynet's brokers can get it cheaper. Check it out now and find how much you can save and we'll send £1 to Save the Children. You're under no obligation whatsoever. (By the way, you should never cancel an existing policy until the replacement policy has been formally accepted by the new insurer.)

Click here for details about our Donation

“Their prices and service were absolutely outstanding. I would recommend Moneynet wholeheartedly to anyone”

Information and Help

You'll also find loads of general information on this web site. Just take a few minutes to scroll down or look over our comprehensive bank of Information. Just look for the heading More Information to the left of your screen and click below it on Life Insurance. If you want Insurance to support a mortgage, then click on Mortgage Life.

Alternatively, you the adviser who phones you with your quotation is willing and able to advise you. It doesn't matter if this means you need another quote as he, or she, can get another electronic quotation for you whilst they're on the phone.

Reasons to get Life Insurance

1. In your absence, your family will no longer receive the income that used to support the family home. Life Insurance will replace your income and ensure that your family is well looked after.

2. When someone dies, mortgages, car loans, medical bills, and credit card debts are often left unpaid, and must be paid from the assets left behind. This is why Life Insurance is a good idea, because it leaves your other assets intact for your family to benefit from.

3. Life cover provides liquidity to your estate so that when you die, these liquid assets will cover all your debts plus the expenses that arise because of your death (i.e. funeral expenses). Without Life cover your illiquid assets such as your home and car may have to be sold in order to meet these financial obligations. Becuase the Life Insurance payout will be available almost immediately upon your death, it will help avoid any difficult decisions for your family.

4. Even if you have no outstanding debts, Life cover will help you if you are keen to leave an estate for your heirs. Life cover means you can automatically provide assets for your family upon your death.

3 Important Tips

1. In the medium/longer term you'll save more money if you buy a Guaranteed Life Insurance policy rather than a Reviewable Policy:

If you get a quote for a Reviewable Life policy, the premium on day one, will be lower than for a Guaranteed policy. However, Guaranteed life cover policies work out much cheaper over the medium/longer term. This is because, with a Reviewable policy, every few years your insurance company is free to "review your premium". In practice, almost always means that the insurer will take the review as an opportunity to put the price up! And as time goes on those increases become bigger and bigger!! On the other hand, with a Guaranteed policy, the premium is agreed at the outset and is guaranteed never to change.

2. Make sure that your policy is "Written in Trust":

If your Life policy is written "in Trust" then any pay-out goes quickly and directly to the person(s) you specify on the policy. It also means that your policy's payout fall outside your taxable estate. This has the effect of ensuring that Inheritance Tax cannot be charged on the insurance money. That could represent a 40% tax saving. A1 Life can arrange for your policy to be "written in trust" - and the service is always FREE!

3. Consider buying two Single Life Insurance policies rather than a Joint policy:

The problem with a Joint Insurance policy is that if either policyholder dies, the insurance policy pays out and the policy automatically terminates. As a result, the surviving partner is left uninsured and possibly at an age where life cover is either too expensive or unavailable. (It gets very difficult to get life insurance over the age of 65.) So to avoid these problems, we suggest you consider taking out separate life cover policies now, rather than a joint life cover policy. The two Single Policies will work out a little more expensive than a Joint Policy, but it's often worth it for the extra cover and peace of mind.

The Biggest and Best Insurance Companies

Through Moneynet, our preferred partner, you have access to all the biggest, best and most famous UK life companies. Companies which are leaders in their field. Compamies like:

Legal & General, Norwich Union, Scottish Equitable, Bright Grey, Friends Provident and Scottish Provident plus lots more ...

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