Optional Extras for Life Insurance Policies to Consider

Optional Extras for Life Insurance Policies to Consider

Critical Illness Coverage

With critical illness coverage you will have money coming in should you end up serious injured or ill. Make sure that you read the list of critical illnesses though associated with specific policies. You should have this type of coverage in place though and you can decide to add it to your life insurance policy or you can have it separately. When you combine you can save money on the premium. However, separately you do end up with way better coverage.

This because when you have a combined policy, the coverage will end once you get a pay out for the critical illness. There is nothing that will be paid out upon your death. When you have them separately though you will get a second payout when you die.

Waiver of Premium

Waiver of premium involves the policyholder being responsible to pay for your monthly premiums should you end up not being able to work due to an illness or losing your job. This is very affordable so you should look into it. That way you won’t risk losing your coverage should your income be affected.

Indexation

Indexation allows you to have the amount of insurance coverage increased based upon inflation. This way you continue to have buying power with your life insurance policy. Your policy will be reviewed annually to determine how much coverage you need due to inflation and then your policy will be adjusted. As a result of these increases your monthly premiums will increase as well. Should you have mortgage protection with your life insurance then indexation will be mandatory.

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Life Insurance Quote

Title

First name

Last name

Date of birth

Do you smoke? No Yes

Email address

Home phone

Work phone

Mobile phone

Is this a joint application?

Yes

App. 2: Title

App. 2: First name

App. 2: Last name

App. 2: Date of birth

App. 2: Do you smoke?

Yes

House Number

House/Flat name

Street

Area

Town

County

Postcode

Over what period?

Type of insurance

Type of cover

Amount of cover

Type of premium

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