Choosing the right insurance cover

True peace-of-mind can be priceless, and having the right insurance cover in place can give it to you. 

Insurance can take away financial stresses and worries, from whether your family will be looked after when you die to helping you fund private healthcare, should it be necessary. 

But how do you know what you need, and which policies might be appropriate? 

Why does it matter? 

Insurance is something that many people hope they never have to use. But if something happened to you, having the right policies on hand could provide invaluable financial support at what is often an extremely stressful time.  

How can you work out what you might need? 

There are a lot of options available, and finding the right ones for your needs can be a little confusing to start with. So, we made it easier with our handy quote compare tool.  

The tool allows you to check out life, income, trauma, health and mortgage cover options. Just fill out a few details and select the types of policies you’d like to compare, and we will show you what’s available and what it might cost. You can then choose the option that feels right for you and start the sign-up process.  

Things to consider 

Insurance policies aren’t all the same and what works well for one person won’t necessarily be a fit for the next.  

Things to consider include the amount of cover you need – for life insurance you’ll be looking at a lump sum, while income and mortgage policies offer a regular monthly payment. You may also want to consider how much of an excess you could pay on your health cover, or how much of a wait period (before any insurance claim would be paid) you could afford to have on your income protection policy.  

Having a longer wait time for a claim payment can make an income protection or mortgage policy more affordable. You may also need to consider what optional extras to add to your policy. 

Sometimes, it’s good to talk 

The tool is an excellent starting point for getting cover in place. But if you have any queries about policies, or want to talk through your options, we’re here to help. LifeDirect’s financial advisers can help you work through decisions about the right cover for you and answer any questions that you have. 

Time to get sorted? 

Pop online to the quote compare tool now to see what could be available for you. It’s an easy-to-use way to find out which policies could be a good fit. And if you need any additional assistance, get in touch with our LifeDirect advisers, who would be happy to chat through your options and help you find the right solution. 


Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance. 

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