Over the past few years, insurers have spent millions in research and development, as well as on systems to make it as intuitive and easy as possible to take out a policy. Even just 10 years ago, taking out life insurance still relied on some archaic processes which meant it took a little longer to process everything - thankfully things have advanced since then!

Getting a life insurance policy online needn’t be difficult, however it certainly makes things easier when you’re duly prepared at your end. If you’re applying for a joint policy, the same goes for your partner as well.

It may seem obvious, but the more complicated your medical history is and the more indulgent your lifestyle may have been (or currently is), the insurer may understandably want to ask a few more questions. It may seem a little intrusive, but the more an insurer can build a more complete picture of your health, the more accurate a premium can be calculated.

Applying online for Life Insurance is a straightforward process - you just have to fill in your details and answer the questions, step by step.

Having an idea about what kind of policy you’re looking for is also a good idea, as it can make sure you go down the right path from the outset.

If you’ve already been looking at different options, you may have noticed that you could get a separate ‘single’ life insurance policy as an individual, or as a joint policy with your partner or spouse. Some people like this option as it’s easier to manage, usually cheaper than both having separate policies and it’s also often quicker to set up.

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Single and Joint Life Insurance policies are similar, but with a few key differences:

‘Single’ Life Insurance covers just one person and if the policyholder were to die during the term of the policy, their loved ones would receive a payout. If you and your partner were to decide to take out two separate ‘single’ policies, then a payout could then be claimed for each policy if both policyholders die within the term.

‘Joint’ Life Insurance covers two people on a single policy and means there’s only one monthly premium to pay. Some people find this simpler to manage and you’ll only need to complete one application, but you would have to answer questions for both policyholders.

If one of the policyholders were to die during the policy term, their loved ones would receive a payout, however the policy would no longer exist for the remaining policyholder; meaning they would need to apply for a new policy if they wanted to still have cover in place. When it comes to buying life insurance, the younger you are, the less expensive it generally is, so taking out a policy later in life inherently increases the price of a monthly premium. 

It’s also important to know the difference between the two main types of life insurance policies you’re most likely to come across, being ‘term insurance’ (the more basic form of life insurance) and ‘whole-of-life’.

‘Term’ life insurance policies run for a fixed period of time (known as the ‘term’ of your policy) eg. 10, 15 or 25 years - but only pay out if you were to die during the term of the policy. There’s no lump sum payable at the end of the term.

With a ‘whole-of-life’ insurance life insurance policy, the clue is in the name. Unfortunately, we all die one day, so as this policy is ongoing, it will pay out a lump sum whenever that day comes.

Understandably, these policies are generally more expensive than term insurance policies - since as long as you keep paying your premiums, the insurer will always have to pay out, whereas you may outlive a term insurance policy.

How quickly can I get online life insurance?

The short answer is you can usually have life insurance arranged in under 30 mins.

Over the years, life insurance brokers and providers have streamlined their application processes; but as an important purchase, just because you can arrange it quickly, doesn’t mean you have to rush the process as it could cost you in the long term.

Before You Buy

Before you commit to a life insurance purchase, you’ll need to understand how much life insurance you’ll need, keep in mind how comfortable you’d want your loved ones to be if you were no longer around. Many of our customers want to make sure debts are covered (such as a mortgage) to give financial protection to their loved ones if they were to pass away. 

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Once you’ve given this information some thought, it’s then really easy to arrange and compare online life insurance. Simply enter your details into our site and we’ll ask some questions to generate life insurance quotes so you’ll be able to see what policy works out best for you.

Already Have A Policy?

It’s great if you already have a policy in place, however, are you sure if it still meets your needs? Could you be getting a better deal? If you’re unsure, the team at Cavendish may be able to help get you a quote for cheaper life insurance. 

Prefer to phone?

Sometimes, it’s easier just to give us a call and speak one-to-one with one of our insurance specialists, who can guide you through the process and support you in choosing the best cover for you and your family. 

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