Community life insurance advice & resources

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Our service is completely free Our brokers have access to the whole life insurance market. They will find you the best policy for free. You are under no obligation to accept the quote.

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You are under no obligation to take the quotes that we provide. Getting the right Live cover is a huge decision. Our service allows you to make comparison at no cost.

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Our service is cheaper than buying from your Bank, Building Society, IFA or even buying directly from an insurer’s own website. Complete our form and find out how much you can save.

Getting the best life insurance and medical insurance deal together

LifeDeal is a specialist life insurance search engine. We make it possible to compare hundreds of different life insurance policies so that you can find the best quote in the market.

We are proud to work with whole of market experts which means you have access to all available life insurance policies but without the confusion. Let us know your requirements above and we sort through the plans for you to save you time and money. We have access to Swinton Life Insurance, Tesco Mortgage Protection and Prudential Over 50 Life Insurance.

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Here you can grab our latest articles: Life Insurance with Free Gift, Tesco Mortgage Protection and Direct Line Mortgage Protection Cover .

Why do you need life cover?

It isn't nice to think about, but life insurance will help to make sure that anyone that relies on your income is able to cope financially if you were to die.

We work with whole of market life insurance experts to provide life cover quotes that are tailored to your individual requirements. If you use a high street bank, building society or Independent Financial Advisor you will not have access to all life insurance companies. To make sure you get the best deal you need to see all the plans side by side. If you use our service you will have access to the lowest quotes from Aviva, Axa, Ageas and all other big name insurers.

Death Insurance

We work with the top death insurance experts who can help you find the right policy to protect your loved ones should the worst happen. We have helped thousands of customers find the right policy to have the peace of mind that their family will always be looked after no matter what the future holds.

To find out more about death insurance please have a look here.

The best thing is that death insurance has become more and more affordable so you can look after your nearest and dearest for only a few pounds each month. In fact £5 a month can now get you a comprehensive policy. Complete our short form at the top of the page to get a tailored quote for your individual circumstances.

Prices Falling

Life assurance is one of only a few products that have actually fallen in price over the years. Statistics released by Datamonitor have shown how life cover from Prudential Over 50 Cover has dropped in price. Cover has got cheaper as more people have moved to term life insurance, which does not offer an investment and has significantly lower premiums than say endowment life insurance. Also, as people are living longer and medicine continues to improve the chance of the policyholder dying during the policy term means premiums continue to drop. It is now possible to get a significant amount of cover from only £5 a month.

Level Term Life Insurance

This is the simplest and most common type of life insurance available. It is called level because it pays out a lump sum payment that stays the same throughout the life of the policy. The term is the number of the years that the policy runs, often say 10 or 25 years. If you insure £100,000 then the plan will pay out £100,000 in the event of a claim.

Decreasing Term Life Insurance

This is the cheapest type of cover and operates in the same way as level term cover except the amount protected falls over time. It is common to use this type of insurance to protect against mortgage payments on a repayment mortgage. Swinton Life Cover is a good place to look for decreasing term life insurance

How To Get The Best Life Insurance Offer

If you live alone then taking out a new life insurance policy probably doesn’t make a lot of sense and certainly won’t be your top priority. However as we get older our lives change and if we are lucky enough to have a family our thoughts and priorities shift.

When planning to take out a new policy the idea is to figure out how much money would your family need if you were unable to support them financially, when this is done then it is time to go out and find a cheap quote from a highly regarded insurer with a good track record. This is easy to say but a bit harder to do, which is why LifeDeal was created.

When it comes to figuring how much money you need you can decide to follow the standard line that claims that you need four to six times your income. This can however lead to some headaches since none of us are the same, this basically then comes down to you and a pad of paper and a pencil and doing some serious maths. You will need to know how many years of support you need and what items you will need covered, like mortgage or university education.

Another important factor to figure out is what will this insurance be, a income generating system that your family will live on or only a temporary cash flow until you find another job or your family finds another income stream.

Assuming that you are on a budget you will need to shop around for best deals and a warm recommendation can be made for term life insurance. This is fairly straightforward since you buy a certain amount of coverage for a specified period of time. Other coverage’s will cost you more money in the long run and will in the end ask for more patience. In a nutshell term life insurance will give you the right amount of coverage for a relatively small sum.

The last step is to check the ratings and to buy the desired insurance. Of course before you put the pen to the paper check the financial standing of the respected company that you are willing to do business with, since you are giving them your hard earned money. Ratings can be checked online or at respected rating companies such as Standard & Poor’s or Weiss Ratings.

Another thing is that the insurance company might have you perform a physical to check your overall health before giving you the right to apply for their services.

We recommend you complete the form at the top of the page to quickly get a free quote with absolutely no obligation.

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