Below we have outlined the most common questions asked about life insurance.
Please click on a question to get the relevant answer.

What is life insurance?
What is term insurance and life assurance?
Why is it called life ‘assurance’?
Do I need insurance?
What is the connection between risk and life insurance?
How is cost determined?
How can I keep the costs down?

What is the connection between risk and life insurance?

Life insurance, like any insurance, is based around the level of risk that the insurer will have to pay out. For life insurance, that means that if you suffer from any pre-existing serious medical conditions or are over a certain age and smoke then you’ll have to pay a higher premium because of your increased risk.

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