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Frequently asked questions
Life insurance protects your loved ones with a lump sum payout, ensuring that they don’t suffer financially if you’re not around anymore. A policy is usually bought to cover the period (or term) that your family most need help i.e. during a mortgage term, or when your children are financially dependent on you.
Life insurance covers common causes of death such as illness, disease, cancer, heart attacks or accidents. Depending on your cover, it may also cover a terminal illness diagnosis and suicide. Common exclusions are pre-agreed medical conditions, chronic illnesses, disabilities, drug and alcohol abuse and high-risk activities.
Although a life insurance payout is often talked about as a tax-free lump sum, this is true up to a point. If your estate is valued above £325,000 (or £650,000 if you’re married) or the life insurance payout pushes your estate value over the threshold, you might be hit with inheritance tax.
Life insurance covers common causes of death such as illness, disease, cancer, heart attacks or accidents. Depending on your cover, it may also cover a terminal illness diagnosis and suicide. Common exclusions are pre-agreed medical conditions, chronic illnesses, disabilities, drug and alcohol abuse and high-risk activities.
Chelsea Building Society have chosen LifeSearch as the specialist partner to offer fee-free expert advice and quotes:
- Quotes for Life Insurance, Mortgage Protection, Critical Illness Cover and more
- We explain the options, simply, and set up your cover in the right way for you and your loved ones
- We've won more than 105 industry awards and we're proud to maintain an ‘Excellent’ Trustpilot rating (4.9 out of 5) from our protected families
LifeSearch compare quotes from a range of major UK insurers. Advice offered is fee-free and all quotes given are without obligation.
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Frequently asked questions
Life insurance protects your loved ones with a lump sum payout, ensuring that they don’t suffer financially if you’re not around anymore. A policy is usually bought to cover the period (or term) that your family most need help i.e. during a mortgage term, or when your children are financially dependent on you.
Life insurance covers common causes of death such as illness, disease, cancer, heart attacks or accidents. Depending on your cover, it may also cover a terminal illness diagnosis and suicide. Common exclusions are pre-agreed medical conditions, chronic illnesses, disabilities, drug and alcohol abuse and high-risk activities.
Although a life insurance payout is often talked about as a tax-free lump sum, this is true up to a point. If your estate is valued above £325,000 (or £650,000 if you’re married) or the life insurance payout pushes your estate value over the threshold, you might be hit with inheritance tax.
Life insurance covers common causes of death such as illness, disease, cancer, heart attacks or accidents. Depending on your cover, it may also cover a terminal illness diagnosis and suicide. Common exclusions are pre-agreed medical conditions, chronic illnesses, disabilities, drug and alcohol abuse and high-risk activities.
Chelsea Building Society have chosen LifeSearch as the specialist partner to offer fee-free expert advice and quotes:
- Quotes for Life Insurance, Mortgage Protection, Critical Illness Cover and more
- We explain the options, simply, and set up your cover in the right way for you and your loved ones
- We've won more than 105 industry awards and we're proud to maintain an ‘Excellent’ Trustpilot rating (4.9 out of 5) from our protected families
LifeSearch compare quotes from a range of major UK insurers. Advice offered is fee-free and all quotes given are without obligation.