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It’s probably top of the things you don’t ever want to have to think about, but unfortunately we all have to come to terms that one day we won’t be here – and as a result, we need to consider those we leave behind. Life assurance isn’t anyone’s favourite subject, but if you’re going to cover yourself, you need to know what you’re buying. Emma Walker from Moneysupermarket.com says: “Whether it’s about leaving your debts behind or ensuring your family can maintain the standard of living to which they were accustomed, it’s clear there are plenty of reasons to look for the best life insurance policy for your personal circumstances. Getting the best quote is an important part of finding the right policy.”

Types of cover

Life assurance providers usually offer a number of different policy types, depending on your individual needs:

• Term assurance is the standard cover; this assures you for a set amount over a period of time, at the end of which the policy is renewable, but often at a higher cost.
• DTA (Decreasing term assurance) is designed for those who just want to cover the cost of their mortgage – the sum paid by the provider actually decreases over the life of the policy even though the premium stays the same.
• Whole Life – Whole life does not have a set expiry date, unsurprisingly it operates for the whole of your life. As long as you continue to pay the premiums, the cost to you will not change. These policies are often more expensive to upkeep, but offer a guaranteed payout.

How much cover do you need?

The most common approach to calculating the amount of life insurance cover needed is by basing it on income replacement – using this method you would multiply your annual salary by between five and ten. A more streamlined approach however is to consider how much of your salary is actually spent on family maintenance and how much is spent on your own lifestyle. For example, your transportation costs, club memberships, magazine subscriptions and so forth would no longer need to be paid, so they can be deducted from the total amount needed, as can taxes. Once you have a figure, you should then look for a sum assured that when invested will provide the required amount annually.

Will I have to go for medical tests?

This depends entirely on your health and lifestyle. For example, a 20 year old with a perfect BMI (Body Mass Index) who doesn’t smoke and has no family history of any hereditary health problems isn’t likely to require medical tests, but a middle aged, overweight smoker will likely be required to either attend a short medical or complete some extra questionnaires regarding this information - Each company treats different health problems differently as well, so it is worth shopping around to see who will offer the best deal. Moneysupermarket.com offer a wide comparison of life insurance companies, and also a dedicated application team who will ensure your application goes as smoothly as possible.

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