Insurance - Life Insurance

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Aviva Life Insurance . apply now

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Legal and General Life Insurance
Free accidental death benefit for 90 days while your application is processed.
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Insure With Ease
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Post Office Life Insurance . apply now

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Insurance - Life

Life insurance is probably the most important policy you will ever have. Understandably no one wants to dwell on their own demise, but you need to think about what will happen to your loved ones should the worst happen. The cost of life insurance will very much depend on your current lifestyle and habits. Your policy will be cheaper if you exercise on a regular basis, give up smoking and have the correct weight in relation to your body size.

When you have a life insurance policy your premiums are placed into a fund and it is from this that all claims are paid out. There are two types of premium the guaranteed and reviewable. Guaranteed premiums are basically a fixed price premium that will never increase, whereas reviewable premiums are reviewed by the life insurance company on set periods duing the policy. The reviewable premium is likely to be the cheaper of the two to begin with, but in the long term could prove to be the more expensive.

Which ever policy you decide on you must ensure that you are adequately covered in the event of your death. Most people tend to cover their mortgage but you may wish to insure for a greater sum so that your family has extra money to help meet funeral expenses and other bills.