Life Insurance Worth getting ?

Worth getting Life Insurance ?

Is Life Insurance Worth Getting ? Top 5 Reasons [2021 UK]

These are what I believe are some of the top 5 reasons as to
“Why Life Insurance is Worth It.”

  • Nobody lives for Forever

The fact of the matter is, we are born on planet earth, we live a life ( hopefully a long good one ) & then we die. As such, life insurance covers a likely eventuality, so ‘ is life insurance worth it UK ? Yes ’.

Life Assurance worth having ?
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  • You Love your Family & Friends

People should only buy life Insurance because they care about their  loved ones. If you do care and don’t want your family & friends to be in a difficult situation if you died, then ‘yes life insurance is worth it’.

Family Life Insurance worth it

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  • Because.... You are Worth it

If you do value yourself & your worth to both your family or business, then insure yourself accordingly. For example, if you earned say £35,000pa income. So over the next 30 years (if your wages stayed the same) you could earn over 1 million ie; £35,000 x 30 years. Your family or business could potentially need some protection to help cover their lost shortfall if you sadly died.... so is ’ life insurance worth it. Yes’.

Is Life insurance cover worth getting ?

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  • You are responsible for others well being

If you have a mortgage on a home that other’s live in, that means you are responsible for others well being. If you help pay the bills that other’s rely on, that means you are responsible for others well being. If you look after dependant’s, whether old or young that rely upon you, that means you are responsible for others well being..... so ‘yes life insurance is worth getting’.

Responsible for Life Insurance

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  • Peace of Mind. The Back Up Plan

Finally apart from the financial sense life insurance makes, it also makes emotional sense. It means you & your family can sleep maybe just a little better at night knowing that you have protected and insured against the worst happening...... so ‘life insurance worth it or not. Yes’.

Life Insurance Back - Up Plan worth getting

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  • So what about where the answer is maybe... 
    NO  ‘Is Life Insurance Worth It ‘

Top 5 Reasons ?

  1. You have health or lifestyle issues and feel the cost is too expensive
  2. You think the Government, Family or Friends will help out
  3. You are single, no dependants, no debts & have savings
  4. You believe all Insurance is a waste of money
  5. You just don’t really care enough

Life Insurance worth it ?

  • Life Insurance Worth it ?  Conclusion

You may take out general insurance to cover your house, your contents, your car, your mobile phone.....But Life Insurance more importantly insures the person who pays the bills and owns them ‘YOU’

These Top 5 Reasons are in no particular order, as they say on TV. These above comments all come from having spent over 25 years in the UK Life Insurance Industry as a Financial Adviser & Life Insurance Broker.

I hope you found this brief article on Is Life Insurance Worth it ?  interesting & thought provoking.

Please contact us for:

  • No obligation Professional Broker advice
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Take care of yourself and loved ones

Martyn Spencer | Financial Adviser @ Uk Life Insurance Quotes




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