"It is rare to find an insurance service that you know that you can rely on. Livesure simply took my life insurance search pains away."

Malcolm Baker, Portsmouth

"With so many options to choose from, the mind boggles! Livesure helped us quickly and easily find the perfect income protection insurance fit in one quick search."

Rose Mitchell, Tenby

Your Questions Answered...

We work with FCA authorised advisers who will be able to answer any of the questions that you may have about insurance and making sure you get the right cover for your personal circumstances.

Below, we provide some generic information to help you understand a little bit more about insurance. Please do not consider that we are giving you financial advice or making recommendations to you. You should ensure that your FCA authorised adviser answers the questions that you have.

Why do I need Life Insurance?

Knowing you have a comprehensive life insurance policy in place will provide peace of mind for both you and your loved ones.

The purpose of life insurance is to provide a source of income for your children, dependents, or other beneficiaries. Life Insurance policies will pay your family either a lump sum or a series of smaller sums in the event of your death or if you are diagnosed critically ill.

Why Choose LiveSure?

LiveSure works with FCA authorised advisers to help you find the best possible life cover quote for your circumstances. The FCA authorised advisers we work with scan hundreds of life insurance providers for the best deals available. Our service is free, quick and easy to use and you are under no obligation to accept the quotes you receive.

How much does life insurance cost?

The cost of life insurance depends on a number of factors.

1. How much cover do you want?

2. How long do you want cover for?

3. How old you are

4. Your occupation

5. Your medical history

6. Your current state of health; and

7. Your smoking habits

How much life cover do I need?

This will depend upon your personal circumstances and it is something that you should discuss with your FCA authorised adviser.

As a rule of thumb, the loss of a partner will result in a fall of approximately 30% in the expenditure of a family. You should be looking at cover of about five to ten times your annual salary.

If you are the breadwinner, you may want to keep your family in something like the style to which they have become accustomed.

If you are a carer, you may want to provide cash for professionals to take over because you are not around.

How do I need life insurance cover for?

It is impossible to provide a definitive answer to you as much will depend on your individual circumstances. Things you may wish to consider include how long your savings will provide for you and your family and how long before your dependants are old enough to look after themselves.

If you are in any doubt, ask your FCA authorised adviser.

How much mortgage cover do I need and for how long?

You will want to cover the amount of the outstanding debt on your mortgage up until such a time as the debt is paid off.

There may be other considerations which you should discuss with an FCA authorised adviser.

What type of mortgage cover do I need?

An FCA authorised adviser will be able to tell you what type of policy is right for you. If your mortgage is a repayment mortgage, Decreasing Term Assurance may be the right policy for you.

If you have an interest-only mortgage, a level term policy may be more appropriate.

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Livesure is a website created to help users find the best possible life cover, income protection and mortgage payment protection quotes for their circumstances.

We work with brokers who search and compare insurance policies from hundreds of providers for the best deals available. These brokers provide the following services: Life assurance; critical illness; decreasing mortgage cover and mortgage payment protection. Our service is free and you are under no obligation to accept the quotes you receive.

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