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Tips for Choosing a Life Insurance Company
More than 150 insurance companies offer thousands of life insurance products in the UK.
Choosing the right company and right product from this bewildering choice is challenging. Fortunately, there are some common sense guidelines that will help you narrow the field to a more manageable selection of companies and products.
Looking at the Cost
However, there are ways you can keep your premium rates to a minimum without affecting the quality of your cover.
?Consider Term Life Insurance - Term Life Insurance is the cheapest form of life cover available and premiums are very competitive.
Obviously, the cost of monthly premiums is going to be a major factor in your choice of insurer but, it should not be your only consideration.
?Are the premiums Guaranteed? This means the premiums are guaranteed to remain the same throughout the term of your policy. This is opposed to `Reviewable“ premiums which, as the name suggests, are reviewed usually every 5 years and can increase dramatically.
Before taking out a policy it is advisable to contact your prospective insurer and ask about their claims history. Note their willingness to provide this information and the attitude promoted by their response. Do they look for reasons to pay claims or excuses to avoid them?
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