Life Insurance in United Kingdom [ 2020 review ]

LIFE INSURANCE IN UNITED KINGDOM

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Top Life Insurance Companies in UK 

Some of the top or larger Insurers we use are listed 'In no particular order' as they say, other than alphabetical...

Best Life Insurance in the Uk ( Companies )

AEGON

Life insurance in UK | Get Quotes | Aegon

LEGAL & GENERAL

Life insurance in UK | Get Quotes | legal & General

AIG

Life insurance in UK | Get Quotes | AIG

LV=

Life insurance in UK | Get Quotes | LV=

AVIVA

Life insurance in UK | Get Quotes | AVIVA

ROYAL LONDON

Life insurance in UK | Get Quotes | Royal London

CANADA LIFE

Life insurance in UK | Get Quotes | Canada Life

SCOTTISH WIDOWS

Life insurance in UK | Get Quotes | Scottish Widows

EXETER

Life insurance in UK | Get Quotes | Exeter

UNUM  

Life insurance in UK | Get Quotes | UNUM

GUARDIAN 1821

Life insurance in UK | Get Quotes | Guardian 1821

VITALITY LIFE

Life insurance in UK | Get Quotes | Vitality Life

 

 

ZURICH

Life insurance in UK | Get Quotes | Zurich

Rather than visit the High Street, many people now search the web looking in 2020 to compare the Best Leading Companies offering Life Insurance in the UK. 

Looking at the above Life Insurers who operate in United Kingdom and we transact business with however, there is no short answer as to which is the 'best'. 

What UK Life Insurance Plans maybe suitable for you, can be unsuitable for somebody else and their personal situation. Unsure what types of plans are available ?

Please get a Free no obligation quote from our website first to get an idea of both cost & terms available; it is always best to speak to one of our Professional Advisers when buying.

View these main UK Life Insurance product areas - all highlighted below 

 LIFE INSURANCE IN UNITED KINGDOM -  UK PRODUCTS REVIEW 2020

WHOLE OF LIFE INSURANCE COVER 

A whole of life policy that will always payout whenever death may occur. Premiums maybe fixed or reviewable. There are only so many Insurers that offer this product. Deals are age dependant & sum assured. 

Our Best UK Deals for this Life Insurance in UK are via Royal London | LV= | AIG | Zurich | Aviva | L&G | Aegon | Canada Life | Vitality Life

MORTGAGE PROTECTION LIFE INSURANCE - IN UK

Designed to cover a repayment mortgage on death or terminal illness as it decreases during the plan term. You can usually amend the rate it reduces.

Our Best UK Deals (2020) for this Life Insurance in UK are via LV= | Royal London | AIG | Zurich | Aviva | L&G | Aegon | Guardian 1821 | Canada Life | Vitality Life | The Exeter

TERM LIFE INSURANCE - IN UK

Offering a lump sum family protection if the policy holder dies or is diagnosed with a terminal illness during the term.

Our Best UK Deals ( 2020) for this Life Insurance in UK are via AIG | Zurich | Aviva | L&G | Aegon | Guardian 1821 | Canada Life | Vitality Life | Royal London | LV=| The Exeter

FAMILY INCOME BENEFIT LIFE INSURANCE - IN UK

Offers an income for family protection if the policy holder dies or is diagnosed with a terminal illness during the term.

Our Best UK Deals (2020) for this Life Insurance in UK are via Vitality Life | Royal London | LV= | AIG | Zurich | Aviva | L&G | Aegon | Guardian 1821 | Canada Life

CRITICAL ILLNESS LIFE INSURANCE - IN UK

Helps ease financial worries if you or your children are diagnosed with a critical illness as specified by UK Insurers.

Our Best UK Deals (2020) for this Insurance are via Guardian 1821 | Vitality Life | Royal London | LV= | AIG | Zurich | Aviva | L&G | Aegon | Canada Life

INCOME PROTECTION 

Providing security by way of a tax free income if you are off sick or have an accident or disability as specified by UK Insurance Companies.

Our Best UK Deals (2020) for this Insurance in UK are via British Friendly | Cirencester Friendly | Shepherds Friendly | Vitality Life | Royal London | LV= | AIG | Zurich | Aviva | L&G | Aegon | The Exeter

OVER 50's LIFE INSURANCE - IN UK

Either a no medical whole of life policy that will payout after an initial waiting period or alternatively an underwritten whole lifecover.

Our Best UK Deals (2020) for this Life Insurance in United Kingdom are via Vitality Life | Royal London | LV= | AIG | Zurich | Aviva | L&G | Aegon | Canada Life | One Family

BUSINESS PROTECTION LIFE INSURANCE - IN UK

Offering company protection for a key person, loan or share protection or an employee dies, is diagnosed with a critical or terminal illness during the term.

Our Best UK Deals (2020) for this Life Insurance in UK are via Vitality Life | Royal London | LV= | AIG | Zurich | Aviva | L&G | Aegon | 

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Life Insurance in United Kingdom [ 2020 ]

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LIFE INSURANCE IN THE UK - Frequently Asked Broker Questions

Single v Dual Life v Joint Life Insurance in the UK ?

A single life insurance means it covers just that 1 person only. It then pays out the chosen amount of cover if the person dies during the term of the policy or whenever it occurs if whole life. The benefit of having dual life ie; 2 seperate plans if in a relationship & one partner dies, then the surviving partner still has their own seperate policy. 

Unlike a 'joint' life insurance policy means it jointly covers 2 lives but then usually pays out on '1st death' basis. This means once the chosen amount of cover is paid, the policy benefits would then end. This is usually the cheaper option for Insurers ( as it only pays once ) but conversely leaving the surviving partner without any cover.

What changes can usually you make to your UK Life Insurance policy ?

In terms of changing your UK life insurance policy, often you can request some of the following:

  • reduce or perhaps extend the period of cover
  • decrease or increase the amount of lifecover
  • remove indexation option or any specific paid for policy features
  • change the collection date of your usual premiums
  • remove a life assured from a joint policy
  • joint life policy separation, allowing a joint policy to be split into 2 new single policies if a couple divorce, split up or say change a joint mortgage into a sole name. 

The changes could be subject to medical underwriting based on your circumstances at the time & may well affect your premiums.

What if my health or lifestyle changes after I have taken the UK policy out ?

Life Insurance cover is based on full disclosure at the time you took the policy out ie; being 100% as honest & accurate as possible. So any health or lifestyle changes since usually does not void your existing policy, as it wasn't relevant at that time of initial application. Please check your original T&C's 

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How do I make a Death Claim with UK Life Insurance ?

Check firstly if premiums are still being paid or alternatively is the policy perhaps "paid up" meaning no further premiums were needed. 

Then contact the Insurers claims line to inform them. They will provide you with their claim form for completion. You will need to send in a number of documents, most importantly being the death certificate proving the cause of death.

Insurers ( as well as other Providers ) will need the original death certificate, so ideally ask for several certified copies. Enclose your policy document, if you can find it and then send by recorded delivery or registered post to Insurers. 

Once received, the Insurers usually cross check all information before processing and settling a valid claim ie; was the medical & lifestyle information correct at the time of original application

If everything is hopefully in order, the Insurer may pay out a claim & usually in a matter of days or weeks.

Death Claims, UK Life Insurance Trusts & Life of Another

Who the life insurance maybe actually then paid out to can be more complicated & many people wrongly assume it is a simple process.

If it is a joint life 1'st death policy or if it single life policy owned by another person " life of another"  then it will just be paid to the survivor. 

However, if it is a single life policy it can be more complex. Check if the policy was setup & written into a trust. If so the Insurer will pay the life insurance via the trustees named to the nominated beneficiaries directly. Sometimes there are a named beneficiary & others times a list of potential beneficiaries. The life insurance paid out doesn’t have to be included in the legal documents sent for probate and potentially it won’t be liable for inheritance tax either.

Should I put my UK Life Insurance policy into Trust ?

If the life insurance wasn’t written into trust, it will be paid to the executors of the deceased’s estate. They will handle the administration, known as probate in N Ireland, England, Wales and confirmation in Scotland. If not, the benefits will fall into your estate if you died prematurely. If you have not made a will this can then cause further complications with the life insurance monies.

Until probate is fully granted, no monies can be paid out to those named in the will. On average, this can take upto 6 months. By not placing the plan into trust may also swell up the total estate values, leading to potentially Inheritance Tax IHT issues

So placing a policy in trust can help to ensure that the policy proceeds go to the correct beneficiaries you decide to nominate at that stage & help avoid possible probate delays & IHT costs. Ask the Insurers if they provide any standard trust form wordings & seek legal advice if unsure.

If I started smoking after taking a Life Insurance in UK - Do I need to now tell Insurers ?

If you had legitimately stopped smoking for over 12 months at that time of original application, you may wish to advise the Insurers you have started smoking again - but this should not affect the original policy terms which should still stand - you were being honest. Also maybe suggest letting your GP know if this is the case. 

Why are you comparing Life Insurance in United Kingdom ?
 

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This website is intended for UK consumers & any information contained therein is for Generic Guidance only and is not to be construed as advice. 
For protection we offer products based on a fair and personal analysis

By completing one of our no obligation quotation request forms, you may be provided with comparison protection quotes, key facts from leading Providers - based just on the basic information you have provided. Note: These quotes will not take account of any personal, health or lifestyle issues unless a full application is completed. You also consent for us to then kindly contact you by phone - where we may offer Professional Broker help & guidance if needed. We may as appropriate then help to arrange a suitable protection policy based upon your own circumstances & needs after a further review by "advice & recommendation". This will usually be on a non face to face basis.

 For products with an investment element we will introduce you to an authorised adviser. We act as introducers for Accident, Sickness and Unemployment and Mortgage Payment Protection Insurance plans. We may also introduce you to other selected professional partners for other protection or legal products as deemed appropriate. Online Dispute Resolution (ODR) - https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.chooseLanguage. Financial Ombudsman. https://www.financial-ombudsman.org.uk We nominate to fundraise for Great Ormond Street Hospital Charity.

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