Top 10 Term , Top 10 Over 50s & whole Life Insurance

Top 10 Term Life Insurance

  1. Tesco Bank – Life Insurance
  2. Tesco Bank – Life Insurance with Critical Illness
  3. Aviva – Life Insurance (Simplified)
  4. Aviva – Term Assurance
  5. Legal and General – Level term assurance
  6. Legal and General – Multi protection
  7. Scottish Widows – Protection for Life (Critical Illness with Life Cover)
  8. Scottish Widows – Life Cover
  9. LV – Flexible Protection Plan
  10. AEGON – Personal Protection

Top 10 Over 50s Life Insurance

  1. Smart – Guaranteed Life with Optional Cover
  2. Sorted – Guaranteed Life with Optional Cover
  3. Post Office – Over 50s Life Cover
  4. Tesco – Over 50s Life Assurance
  5. Aviva – Guaranteed Lifelong Protection
  6. LV – 50 Plus Plan
  7. Direct Line – Over 50s Life Insurance
  8. Legal and General – Over 50s Life Insurance – Increasing Plan
  9. AA – Fixed and Increasing Plans
  10. Royal London – Over 50s Life Cover
  11. Sainsbury’s – Over 50s Life Insurance – Increasing Plan

Top 10 Whole of Life Insurance

  1. Vitality – Vitality Life
  2. Vitality – Vitality Life Essential
  3. Scottish Provident – Pegasus Whole of Life Plan
  4. LV= – Lifetime+
  5. Smart – Life Insurance with Optional Covers
  6. Sorted – Sorted Life Insurance
  7. Zurich – Adaptable Life Plan
  8. Legal and General- Whole of Life Protection Plan
  9. AIG Life – Whole of Life Insurance
  10. AEGON – Whole of Life Plan

What is life insurance?

Put simply, life insurance is a way to ensure that your family will be financially secure if the worst happens and you are no longer around to provide for them.

Understandably, that’s not something most of us want to spend long thinking about, but putting some time and effort into arranging a policy now can give you peace of mind and provide some much needed financial security for your family.

How does life insurance work?

A life insurance policy is a contract between you and an insurance provider. As a customer, you pay regular premiums on a monthly or annual basis. In return, the life insurance company promises to pay out a cash sum if you die while the policy is active, provided you meet all of its terms and conditions.




It might sound strange to mention terms and conditions – after all, death doesn’t respect the small print! But, actually, with life insurance it really does pay to read the small print. In fact, it’s essential. Every provider has its own set of policy conditions and exclusions – for example if death occurs through suicide, a drug overdose or a “risky or reckless act”. So please do take the time to read through your policy documents and, if you don’t understand something ask now… before it’s too late.

 How much life insurance do I need?

So how do you decide how much life insurance you need… or, if you need it at all?

There are three basic questions you need to ask:

  • Who is financially dependent on you?
  • How much would your death impact financially on those around you?
  • What death-in-service benefits does your employer offer?

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