Life & Critical Illness insurance

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Life insurance from Think Insure

Think Insure compares life insurance deals from leading UK insurers - helping you find the right deal.

Whether you're looking for life insurance, critical illness cover (CIC) or both, we could help.

Why Think Insure?

With us, you can do more than just compare life insurance quotes. Our insurance team can answer your questions, help you work out what kind of cover you need and then help you find the deal you're looking for.

To compare life insurance deals today, click 'Get a quote' at the top of the page, or call us on 0800 195 2914 (calls from mobiles may be cheaper on 0161 779 5404).

Finding the right life insurance deal

Like most things in life, life insurance comes in all different shapes and sizes. Before deciding on the right cover for you, here are a few of the questions you might want to ask.

How much cover do you need?

The whole idea of life insurance is that your family will receive a payout if you die while the policy is running. This could help them cover the cost of paying the mortgage, bills, funeral costs - all the things they might struggle to afford without you. If you have a young family, the money could even go towards their future.

When choosing life insurance, you should think about how much your family would need to cover your important costs. How much do you have left to pay on your mortgage? How much would your family need to keep up their standard of living?

These are some of the important considerations - and getting covered may not cost as much as you think.

What level of protection do you need?

Life insurance alone could provide your family with financial protection if you or someone else covered by the policy dies, but what if you became seriously ill? Illness that prevents you working could have a serious impact on your family's finances - but Critical Illness Cover (CIC) could ensure you have something to fall back on.

Critical illness cover pays out if you are diagnosed with a serious illness during the term of your policy. The actual illnesses that are covered can vary between insurers, so you may want to check this when you talk to us.

If you want to give your family the full range of protection, you may want to consider a combined Life and Critical Illness insurance policy.

How much can you afford to pay each month?

Life insurance often costs less than people think - but if you're keeping a tight budget you might want to choose your life insurance policy by price, rather than how much cover it provides.

Tell our insurance team how much you want to pay each month, and they'll let you know how much cover - and what type of cover - you'd receive. The less you pay each month, the smaller your family's payout would be, but that's better than nothing at all.

Some life insurance FAQs

Do you have any questions about life insurance? Our agents will be happy to help you - but before you pick up the phone, just take a look through our Frequently Asked Questions.

Why should I go to Think Insure?

At Think Insure, we pride ourselves on providing a friendly, professional service. Insurance can be a complicated subject - but whether it's term life cover, whole-of-life cover or critical illness cover you're looking for, our team can make it easy.

What is a premium?

A premium is simply the monthly payment you make to pay for your life insurance cover.

Why do different people pay different premiums?

It depends on a range of factors, like your age and medical history - as well as how much cover you're looking for and how long you want the policy to run.

How much life insurance do I need?

This is up to you. You should take into account things like:

  • How much your family would need to maintain their current lifestyle
  • How much they'd need to pay off the mortgage
  • Whether you're carrying any other debts, such as loans and credit cards.

How much will I pay per month?

It depends on the type of policy you're taking out, as well as things like your age and medical history. It could be as little as 5 per month.

How much will my family receive when the policy pays out?

It can depend on a few things - like what kind of insurance policy you've taken out, your level of cover and how much you've paid into the policy.

Is there anything that could prevent a payout?

There could be. Insurance policies won't pay out if the individual hasn't stuck to the terms of the agreement, or if something happens that simply isn't covered by it.

For example, you might find the policy doesn't pay out if:

  • You didn't tell the insurer all the facts when you took out the policy in the first place - if you're a smoker, for example, but claimed to be a non-smoker.
  • You haven't made all the payments you were required to make.
  • Something major has changed since you took out the policy but you've not told the insurer about this.
  • Your policy has expired by the time you actually die.
  • You die in a way that isn't covered by the insurance policy.

In other words, it's vital that you're open and honest with the insurer when you're taking out a policy and if something significant happens to you while your policy is running.

It's equally important to read through the documentation and make sure you understand the 'exclusions' (things or events that could make you unable to claim under the policy). If you're in any doubt at all, just give us a call - we will be happy to provide any information you need.

Would my money be protected if the insurer goes 'bankrupt'?

Financial companies (like any other company) can end up going 'bankrupt', but that doesn't mean it's a disaster for their customers.

That's because of the FSCS, the Financial Services Compensation Scheme. It's a fund which aims to protect people who've got money 'tied up' with an eligible company that 'is unable, or likely to be unable, to pay claims against it'.

This can help people who've got their savings in a failing bank, for example, who've taken out insurance policies, or who've invested money with an investment firm.

The rules are quite complex, but in terms of insurance, you could expect to receive 90% of your claim if your insurer is 'declared in default'.

Subject to eligibility and exclusions. Insurance is provided from our panel of insurers. Policy conditions apply. Calls may be recorded for quality and training purposes. Calls to 0800 numbers from BT landlines are usually free, but you should check with your network provider for full details of your service.

Call for a quote on:

0800 195 2914

Or fill in your name and number and we'll call you back for free.

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