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Life Insurance and the Law - A Layman's Introduction
There are no laws in the UK that require a person to have life insurance. It’s an entirely voluntary insurance. About 40% of the UK's working population are covered by life insurance either through their own policy or via an arrangement through...Read More

Life insurance without life value: why young people are snubbing financial advice
This article is written by a 27 year old female (borderline Generation X / Y) called Rachel. Rachel spent six years at university, has no outstanding debts with the exception of government student loans. Rachel also has no pension plan, no life...Read More

Online Term Life Insurance Quotes
The death of a person can come unannounced and quite suddenly. During situations like this, the person's family often is left with no idea where to get the much needed finances to give the person the proper burial. This is especially true when the...Read More

Selecting a Life Insurance Company Before You Need One Is Crucial
Today we live in a world of uncertainty, but one of the many uncertainties concerns our health. We can never really know how the cards will fall. Although we all expect to live long and healthy lives, fate can deal us a different hand. This is...Read More

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Long Term Life Insurance - Why Get It?

Long Term Life Insurance is term life insurance that is taken out for an extended period of time. Most term life insurance tends to be for a period of between one and seven years, but some people prefer a longer term cover. Insurance companies have responded to this demand by offering a new range of products that fall somewhere between whole life insurance and traditional term insurance.

Normally when people want long term cover, they purchase whole life insurance, which covers them for the duration of their life, and also builds a cash value. However, if you do not wish to pay the extra premiums that are associated with the investment, then perhaps long term insurance rather than whole insurance may be the way for you to go.

These policies may be referred to as "Permanent Life" policies, and can be set up so that they are payable on demise, or at a certain age. Long term life insurance really blurs the line between whole life and term life insurance, with policies often borrowing from both structures to offer the customer even more flexibility. If you do not wish to have an accruing cash value, then you don't have to. You can also stipulate whether you want the beneficiary to receive a lump sum payment, or monthly payments to boost income.

Unlike shorter term policies, long term life insurance does tend to be initially more expensive, though over the length of the term it may prove more cost effective than short term life insurance policies. Talking to your preferred insurance provider will give you a good idea of the options that are available out there. Then you can shop around and compare policies online, which will give you an even better idea of your options. The market is booming, so if you are looking for more flexibility in your life insurance, now is the time to look.

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Written by: Jessica Farrell

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What Is Whole Life Insurance And Is It Right For You?
Before you can decide if whole life insurance is suitable for you, you will need to be well informed on the key aspects of whole insurance. So, what is whole life insurance? Whole life insurance is so named because it’s designed to stay in force...Read More

Best Life Insurance Quote - How To Recognize It
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Online Life Insurance
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What's the Difference Between Whole and Term Life Insurance?
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