Convertible term assurance - This gives you the option to convert to a whole-of-life insurance policy with the same insurer at the end of your policy. What will affect my life insurance quote? Your age and state of health are the main factors determining how much you will pay for life insurance cover. Generally the younger and fitter you are the less you will pay. If you are a smoker you will pay more. But remember that life insurance premiums have fallen in the past five to 10 years so it may be possible to get a lower premium than the one you have now. Things to consider before selecting a life insurance quote * Read the policy over carefully. Make sure you look at the clauses and exclusions sections in detail * Check to see what life insurance cover you may already have (through work for example) * Always have your Life Insurance policy written in trust. This means that in the unfortunate event of your death the money goes directly to the named person and also avoids the family having to pay inheritance tax * Are you likely to need critical illness insurance in the future? Then consider adding it now to the life insurance policy you're arranging * Will the life insurance policy enable you to vary payments as personal circumstances change? I don't have the time for all this? Is there not an easier way? With so many life insurance companies out there it can be very time consuming sourcing quotes from each individual provider to ensure you get the best deal. We can help you compare costs by providing you with a free, online life insurance quote from some of the leading life insurance company's in the UK.

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