If the past couple of years has taught us anything, it’s that the unexpected can happen and your world can change overnight. The Covid-19 pandemic, the war on Ukraine and the cost of living crisis in Northern Ireland have affected people’s lives in ways that they could never have predicted. From long-term illness to job loss or businesses closing, your life can change in an instant and while there might not be anything you can do to prevent it, there is something you can do to prepare for it, and that’s to make sure that you are covered with Life Insurance in NI.
It is now more important than ever to look to the future and to prepare for the unexpected because you never know what could be just around the corner. Having life insurance in NI is essential if you have a family or spouse so that when life throws an unexpected and expensive and life-changing event your way, you or your family have enough money to pay off any debts you have, can cover your children’s education and can provide for your loved ones if you can no longer work and your partner doesn’t earn enough to support your family.
Why is it so Important to have Life Insurance in NI
Life Insurance in NI is like having a safety blanket to take the edge off when life takes a turn for the worst. While life insurance in NI won’t stop an accident or life-changing event from happening, having life insurance will stop it from getting any worse and give you protection and peace of mind. Life Insurance in NI not only takes away the financial burdens but can ease the pain and at least a little bit of worry in the most stressful and upsetting times of life. It is reassuring to know that money isn’t an issue and you or your family can concentrate on bigger issues such as finding a new job, doctors appointments and supporting your children through bereavement or stress.
The Benefits of having Life Insurance through Life Expert in NI
Life Expert not only offers a number of different types of Life Insurance in NI but we give our customers access to our team of Paralegals who will provide professionally drafted wills and estate planning advice. So many people don’t have wills in place when they die and this can cause added upset to the loved ones who are left behind. Life Expert makes sure that this isn’t forgotten and we put you in touch with the right people who will give you all the advice you need.
The Types of Life Insurance & Different Types of Coverage You Can Get in NI
Life Expert offers life insurance in NI to suit all different people and circumstances. The different types of life insurance and coverage you can get include:
Decreasing Term Life Insurance in NI
Decreasing term life insurance covers you for a set period of time, for example, while you pay off your mortgage. Decreasing term life insurance offers financial security as if anything was to happen while you had a mortgage, the life insurance can be used to pay it off & therefore, you don’t leave a financial burden on your partner or dependents. Compare decreasing term life insurance with Life Expert today.
Whole of Life Insurance in NI
Whole of life insurance in NI does what it says on the tin and offers you life insurance in NI until you die. This insurance payout can then be used to pay off debts and pay inheritance taxes or leave gifts for your friends and family once you have passed.
Level Term Life Insurance in NI
Level term life insurance in NI gives you peace of mind as it means that even if circumstances have changed since your policy began, it will still pay out an agreed lump sum. This is great for those who are responsible for paying a mortgage or have young children as no matter what happens, you know that the agreed lump sum will be paid out and will cover your expenses. Compare level term life insurance today with Life Expert.
Critical Illness Cover in NI
Critical illness coverage in NI also pays you a predetermined amount and with Life Expert, you can choose your level of protection and how long you need your policy to last. This can really help your family if you’re unable to work due to a critical illness or need to pay for medical bills or lifestyle modifications such as modifications to your home or transport. Compare critical illness cover today with Life Expert.
Income Protection Insurance in NI
Income Protection Insurance from Life Expert gives you financial support if you lose your income due to illness or injury. This means that you don’t need to worry about paying your bills, rent or mortgage and can concentrate on getting better. It acts as a buffer for you and takes a level of stress and worries away. You don’t need to worry about dipping into savings to survive, income protection insurance helps you maintain your lifestyle. Compare income protection insurance today with Life Expert.
Mortgage Protection Insurance in NI
If you become ill, lose your job, or have a life-changing accident and are struggling to pay your mortgage, Mortgage Protection Insurance in NI will mean that you can continue to pay your mortgage while you get yourself back on track. Again, sometimes there are just more important things to focus on and worrying about how you’ll pay your bills can worsen an already stressful situation, mortgage protection insurance takes that away from you and allows your focus to be where it needs to be.
Why People in Northern Ireland & UK Use Life Expert
As one of NI’s largest life insurance brokers, people in NI use Life Expert because we offer a free and advised service to find you the best coverage to suit your life insurance needs. We compare multiple quotes from our panel of insurers and will find you the best insurance policy at the best price, that is most suitable for you.
Life Expert is also regulated by the Financial Conduct Authority (FCA) and Trustpilot rates us as ‘Excellent’.
What Next?
Why not get an instant & free online life insurance quote and compare the top insurance providers by simply entering a few details? Find out what life insurance protection you could be receiving to put your mind at ease.