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Now. Death is unpredictable. You could die today or tomorrow. Having life insurance in place means your family are financially protected if the unexpected happens.
But that’s not the only reason. Life insurance gets more expensive the older you are. So, to get the best price, buy it now.
For example, £200,000 of cover until age 65 costs around £15 a month if you’re a 30-year-old non-smoker. It can be almost 3 times that amount when you’re 50.
We can’t tell you exactly how much you need – we’re all different. But you should consider choosing enough cover for ongoing living expenses, such as any outstanding mortgage, or a good few years in rent, and the monthly bills. Plus, any debts or loans you have, and don’t forget funeral costs.
You choose how long you want your policy to remain in place, anything from 5-40 years.
Most people choose to be covered until age 65, as that’s when they expect to retire. However, you can choose any age up to age 90, as long as you start the policy before your 65th birthday.
Level term is the most popular option. The amount of cover never changes. So, if you choose £200,000 of life insurance and you die in 10 years, we pay your family £200,000.
Decreasing term is designed to cover a mortgage. The payout amount decreases each month in line with your mortgage. The amount the cover goes down is equivalent to an annual interest rate of 8%. So, although the monthly cost you pay stays the same, decreasing cover is cheaper than level cover.
There are 2 options. You can either choose a joint life policy or 2 single life policies.
Although joint life policies tend to be a bit cheaper, they only pay out once. So, if one of you claims, the other is left with no life insurance in place.
The other option is for both partners to take out separate life insurance policies. That way if one of you dies your partner’s cover remains in place. Or if the relationship breaks down, you can both walk away with your policies intact. Separating a joint life policy isn’t always that easy.
We may be a new name in life insurance but we’re backed by some of the biggest names in the industry, so you can have complete trust in Bequest and our policies.
GenRe is one of the world’s leading reinsurers. They reinsure your policy so you can be confident we are always able to pay a claim.
Covéa is our underwriter. They have around 650,000 life and protection policies under administration in the UK.
Just call us on 020 3916 5433 and we’ll take it from there.
Check out our claims page for what to expect.
Life insurance is quite simple. If you die, or are diagnosed with a terminal illness, we pay out.
For a terminal illness claim, you’ll need a diagnosis from an attending consultant with the opinion that the illness is expected to lead to death within 12 months.
So, as long as you answered all the questions on your application honestly, you can sit back and relax safe in the knowledge you’re fully protected.
We know you were thinking it.
If Bequest were to close our doors, your policy is completely safe. Covéa, our partner, looks after the running of your policy today. So, they’d continue to do that if we were no longer around.
But we’re going nowhere.
We offer 3 Will options: Starter, Grow and Inherit.
Check out our Wills page for all the details.
Absolutely.
All our Wills are written and checked by JP Estate Planning, an award-winning, UK-based, professional Will writer and estate planner.
So, what are you waiting for? Write your Will now.
There are lots of reasons why writing a Will is so important – such as naming your children’s guardians, protecting stepchildren, protecting the family home and making sure your inheritance is spent wisely.
Read our 6 reasons why a Will is well worth writing.
If you’d like us to check your signature and upload a copy to the National Will Register, you’ll need to print it, and post it to: JP Estate Planning Ltd, PO Box 6438, Milton Keynes, MK10 1LY.
We highly recommend sending this to us by recorded delivery with Royal Mail, so it’s safe and secure. You’ll need to pay for postage with the Starter package, but we cover it in Grow and Inherit packages.