Best Death Benefit Policy

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BESTDEATHBENEFITPOLICY.CO.UK

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Rates last update: 17 June 2018

If you want to leave a death benefit or legacy to your loved ones then you’ll need to buy a life insurance. But which is the best policy to buy?

Here is a table of comparison rates for Whole Of Life Death Benefit vs. 20 Year Term Life Insurance - Non-Smokers
Best Death Benefit PolicyAge50(n/s)
Whole Life
Age50(n/s)
Term
Age55(n/s)
Whole Life
Age55(n/s)
Term
Age60(n/s)
Whole Life
Age60(n/s)
Term
Age65(n/s)
Whole Life
Age65(n/s)
Term
Age70(n/s)
Whole Life
Age70(n/s)
Term
£10,000£15.49£4.98£18.30£5.07£22.04£6.61£27.70£10.96£36.00£19.97
£25,000£34.02£6.07£40.99£9.06£50.29£14.00£64.04£23.78£84.45£44.67
£50,000£63.88£9.73£77.83£15.71£96.42£25.59£123.93£45.16£164.74£85.85
£100,000£123.61£16.68£151.49£29.02£188.68£48.77£242.32£87.92£309.96£163.09
£250,000£300.96£37.10£370.26£66.51£462.66£112.98£596.26£205.24£778.60£369.42
Last Updated: 17 June 2018 (Source: PayingTooMuch.com)

Here is a table of comparison rates for Whole Of Life Death Benefit vs. 20 Year Term Life Insurance - Smokers
Best Death Benefit PolicyAge50(s)
Whole Life
Age50(s)
Term
Age55(s)
Whole Life
Age55(s)
Term
Age60(s)
Whole Life
Age60(s)
Term
Age65(s)
Whole Life
Age65(s)
Term
Age70(s)
Whole Life
Age70(s)
Term
£10,000£19.48£5.50£23.53£8.70£28.84£13.65£35.80£20.98£46.00£39.57
£25,000£42.46£12.06£52.59£19.23£67.70£30.51£85.90£48.85£111.39£96.09
£50,000£80.75£21.71£101.01£36.06£131.25£58.62£168.47£95.29£219.86£188.67
£100,000£157.35£41.02£197.86£69.71£251.03£114.84£330.80£187.47£435.26£347.72
£250,000£384.81£91.95£480.64£160.79£613.40£267.31£798.42£421.63£1,059.12£709.58
Last Updated: 17 June 2018 (Source: PayingTooMuch.com)

Top Tips For Buying The Best Death Benefit Policy

1. Use An Online Death Benefit Comparison Tool To Compare Prices

Most banks and building societies are only offering one insurance company’s products as they get more commission for doing so. Online comparison websites however only survive if they provide a competitive product range as the internet makes insurance comparison so transparent. We there suggest that an online death benefit comparison site, such as PayingTooMuch.com is a great place to start your research.

2. How long do you need the cover for?

You need to decide how long the requirement is to leave a death benefit, this means is the cash lump sum only required if you die within the next 10 years or is the requirement for a cash lump sum to run for the rest of your life?

A example of a death benefit that is only needed for the next 10 years might be if you have a loan that needs to be repaid on death, but this loan will be gone anyway within 10 years. Alternatively you may have children that in 10 years will be able to look after themselves financially, but at the moment are dependent on you.

If you need the cover to provide a death benefit for the rest of your life then you need to select Whole Life Assurance as this is the only type of life insurance that never runs out and will last you a lifetime for however long you live.

3. How much cover do you need?

The more cover you buy then the higher the price. In general any life insurance is better than none at all however not being able to afford to keep up a premium once you’ve bought a policy is the worst outcome of all.

Think carefully about how your relatives would cope if you passed away and maybe do a budget planner to check what you are proposing makes sense from an affordability point of view.

4. Do you smoke, (which means have you used any form of tobacco product in the last 12 months)?

Smokers pay on average double what non-smokers pay for death benefit policies. However it is quite possible if you give up for the insurance company to remove the loading after you’ve stopped for12 months and revert the premiums back to the non-smoker rate, provided you chose the right insurance company in the first place. A comparison service especially for smokers is essential to help make the right choices in this area.

5. Does the life insurance need to be in Trust?

If you place the life insurance in Trust you are placing the policy outside of your estate and naming the beneficiaries, or group of potential beneficiaries now. This will have the effect of keeping the proceeds away from the tax man (Inheritance Tax) and should enable a speedy settlement when you pass away as the insurance company won’t need to wait for the entire estate to be dealt with via probate before releasing the cheque.

6. Should you index link the cover?

If you link your life insurance cover level to the inflation rate then as inflation slowly rises each year so the death benefit will rise too meaning that it doesn’t slowly lose its value in real terms. Of course the premiums will slowly rise as well but once this is in force you won’t ever have to disclose your health again meaning if you start to suffer from ailments or serious conditions the cover level keeps rising regardless to provide your family with additional protection. Indexation can be removed if the premiums rise too quickly so don’t be put off searching out this option (which is mostly available on Whole Of Life Assurance).

The best advice of all is to use an online comparison site that specialises in death benefit policies (rather than mainly car insurance), where you will find discounted premiums and excellent customer services to support your enquires and application.

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