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Welcome To Life Insurance Page

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual's or individuals' death or other event
Life Insurance premiums can vary greatly between the cheapest and most expensive life insurance providers. We can compare all Life insurance providers to find the best deal for you.











ageasprotect.co.uk

Ageas Protect is the financial safe hand of places in the UK and Channel Islands. We present unique insurance products which provide financial and practical support for single and businesses, that may be manages via financial advisers applying our award-winning online service.

friendsprovident.co.uk

A FTSE 100 ENLISTED company with above 5 million clients and a 200-year heritage Friends Life Group is a leading player in the UK Life and Pensions Market.

aviva.co.uk

Aviva offers cbout 34 million clients worldwide with insurance, savings and investment products. We have been the UK's biggest insurer and one of Europe's leading presenters of life and general insurance.

aegon.co.uk

We have a long and proud heritage in the UK, and we’ve been helping people take responsibility for their financial future since 1831 when Scottish Equitable was founded in Edinburgh.

Zurich Life Insurance

Zurich is a leading poly-line insurer which helps its clients in global and local markets. With more than 55,000 employees, it presents a wide range of general insurance and life insurance products and services. Zurich’s clients involve singles, small businesses, and mid-sized and big companies, with multi-national corporations, in more than 170 countries.


LIFE INSURANCE
Life insurance is great for individuals that have a family, dependents and earn the most income to support their family. Life is unpredictable and it is important to ensure your family and loved ones are taken care of financially in case anything happens to you. When shopping for life insurance in South Carolina, searching online and using the internet's resources are a great way to educate yourself on life insurance basics, shop and compare quotes for the best life insurance policy for you. There are three different types of life insurance policies - universal life insurance, cheap whole life insurance and cheap term life insurance. Universal Life Insurance - combines life insurance with savings. Insurers are able to have the benefits of term life insurance and combine that with tax-deferred interest accumulating savings account. Sometimes you may not even have to pay premiums during the entire policy. If your money to pay the death benefit and other costs accumulates in the tax-deferred savings portion of your policy, then premiums may not be required to keep the policy in force. Cheap Whole Life Insurance - this type of policy will cover you for your entire life. Your death benefit and premium generally remain the same. Whole life insurance also builds cash value, which could enable you to earn a return on a portion of your premiums that the insurance company invests. Your cash value is tax-deferred until you withdraw it and you are also able to borrow against that money. Cheap Term Life Insurance - this type of life insurance is low cost and great for young healthy individuals who are healthy and may not be able to afford cash-value life insurance premiums and want to ensure their dependents are taken care of in the event of death.

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Your policy will cover a pre-determined "term" which is normally one, five or ten years. Your premium payment and death benefits are only during that term. After the term you will have options to continue coverage and have the opportunity to convert to a cash-value life insurance policy. Universal Life Insurance Universal life insurance combines cheap term life insurance with a tax-deferred interest accumulating savings account. This life insurance plan provides insurers with death benefit as well as incorporating savings abilities. Investing Universal life insurance is also known as "flexible premium adjustable life insurance," and gets this term because it is somewhat of a flexible version of cheap whole life insurance. Your insurance company will take a portion of your premiums and invest them in bonds, mortgages and money market funds. You earn the return on said investments which is credited to your policy tax-deferred. You usually receive a guaranteed minimum interest rate which is not dependent upon the performance of your investments so you will always get a certain minimum return on your money. When your investments do well, normally the insurance company will increase your interest rate return. Death Benefit You generally have two options when setting-up your universal life insurance policy. One option will pay your death benefit out of your policies accumulated cash value. This policy costs less in premiums, but it can take a while to build up sufficient benefit. The other option will pay you a face value that you agree upon in the contract plus your accumulated cash value. This option cost more in premiums