{"id":353,"date":"2023-10-14T11:41:22","date_gmt":"2023-10-14T11:41:22","guid":{"rendered":"https:\/\/moneyhub.ee\/?page_id=353"},"modified":"2025-04-04T15:22:57","modified_gmt":"2025-04-04T13:22:57","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/moneyhub.ee\/en\/insurance\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"353\" class=\"elementor elementor-353\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8033872 e-con-full e-flex e-con e-parent\" data-id=\"8033872\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97f5ec7 elementor-widget elementor-widget-shortcode\" data-id=\"97f5ec7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6791e37 e-flex e-con-boxed e-con e-parent\" data-id=\"6791e37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5d0b515d ddddf e-flex e-con-boxed e-con e-child\" data-id=\"5d0b515d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-32c79911 e-flex e-con-boxed e-con e-parent\" data-id=\"32c79911\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4663b1f5 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"4663b1f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46efbeda elementor-widget elementor-widget-text-editor\" data-id=\"46efbeda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1><strong>Look after the ones you love by comparing life insurance<\/strong><\/h1><h2><strong>Compare life insurance quotes or critical illness cover with MoneyHub.<\/strong><\/h2><p><strong><em>MoneyHub experts say:<\/em><\/strong><\/p><p><em>&#8220;Thinking about how your family would cope financially if you were to die isn&#8217;t a cheerful topic, but it&#8217;s an important one. Our comparisons help you decide whether life insurance is right for you, look at the different types of cover, and show you how to find the cheapest policy that meets your needs.&#8221;<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7307cd57 e-flex e-con-boxed e-con e-parent\" data-id=\"7307cd57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15ad094e table-overflow tablepress-nwdesign elementor-widget elementor-widget-shortcode\" data-id=\"15ad094e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">table shorcode text<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76793d06 e-flex e-con-boxed e-con e-parent\" data-id=\"76793d06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-792fffb8 elementor-widget elementor-widget-heading\" data-id=\"792fffb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Life Insurance FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4caf4299 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"4caf4299\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-4caf4299\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"4caf4299\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-do-we-calculate-our-star-ratings\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-1281\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How do we calculate our star ratings?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1281\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"how-do-we-calculate-our-star-ratings\"><p><span style=\"font-weight: 400\">Our star ratings are based on the headline rate offered, our consumer base feedback, additional charges, ease of business, and value-added benefits.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-is-level-term-life-insurance\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-1282\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What is level-term life insurance?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1282\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"what-is-level-term-life-insurance\"><p>Put simply, it&#8217;s an insurance policy that pays out a set sum if you were to die while it&#8217;s in force. Its aim is to provide financial support to those you leave behind, to prevent the loss of your income from causing a money crisis.\u00a0<\/p><p>&#8216;Level term&#8217; is the simplest type of life insurance and the name tells you all you need to know&#8230;<\/p><ul><li><strong>Level:<\/strong> When you take out a policy, you determine how much you&#8217;d need it to pay out, eg \u20ac200,000. This remains &#8216;level&#8217; \u2013 meaning it&#8217;s fixed at that amount \u2013 for the duration of the policy.<\/li><li><strong>Term:<\/strong>\u00a0You choose how many years you&#8217;d want the policy to cover you for, eg 25 years. You usually can&#8217;t remain covered past the age of 80, though this maximum age does vary by provider.\u00a0<\/li><\/ul><p>The more cover you get and the longer the term you want, the more it costs.\u00a0You pay via a monthly premium which continues until the policy either pays out (if you were to die during the term) or the term ends.\u00a0\u00a0<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"do-i-need-a-life-insurance-policy\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-1283\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Do I need a life insurance policy?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1283\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"do-i-need-a-life-insurance-policy\"><p>This is something every parent, partner, or person with any other type of dependant needs to consider.\u00a0If anyone relies on your income and would struggle without you around, a life-insurance policy can be a cheap way to ensure they have a financial lifeline when you&#8217;re gone.<\/p><p>Ultimately, you don&#8217;t need to have life insurance cover, though, so you&#8217;ll need to weigh up whether the monthly cost is worth it for you. To help, here are some key points to consider:<\/p><ul><li><strong>If you don&#8217;t have dependants, you don&#8217;t need life insurance.\u00a0<br \/><br \/><\/strong>If there&#8217;s no one you&#8217;d want the money to go to, don&#8217;t bother. Equally, if you do have dependants but there would be little financial impact if you died, then you still might not need a policy. But if paying the bills, the mortgage, bringing up kids, food shopping and more would be a struggle, life insurance is a cheap way to solve that.<br \/><br \/><\/li><li><strong>Check if you&#8217;ve any cover with your employer\u00a0\u2013 though don&#8217;t just rely on that.\u00a0<br \/><br \/><\/strong>If you&#8217;re employed, you might benefit from free &#8216;death-in-service&#8217; cover. This pays out a multiple of your salary, typically around four times, while you are an employee of that company.<br \/><br \/>The death doesn&#8217;t need to occur at work or be linked to your job, but it&#8217;s not usually a good idea to rely on this cover as your only protection. If you were to change jobs or be made redundant, your next employer might not offer it. Plus, if you&#8217;ve had any significant health problems in the interim, you may find it expensive to arrange your own cover.\u00a0<\/li><\/ul><p>If you do need life insurance, it&#8217;s best to buy it sooner rather than later \u2013 it&#8217;s more expensive the older you get.\u00a0Even though the term will usually be longer, younger people normally have much cheaper premiums, so save more overall.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-much-cover-do-i-need\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-1284\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How much cover do I need?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1284\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"how-much-cover-do-i-need\"><div class=\"richText component section inline-image-third-width first odd col-xs-12 analytics-richtext_copy\"><div class=\"component-content\"><div class=\"richText-content\"><p>If level-term life insurance is right for you, you need to decide how much you&#8217;d like the policy to pay out if you were to die.<\/p><p>This could be determined by the monthly payment you can afford, but a good rule of thumb is to aim for 10 times the annual income of the highest earner.\u00a0<\/p><p>This may seem high, but it&#8217;s likely to leave enough money (after the impact of inflation) to cover mortgage repayments and expenses, such as childcare costs. It could also go a way to supplement the income of those left behind if they had to then leave employment, for example to care for children or relatives.\u00a0<\/p><p>To help you calculate a figure that works for you, it&#8217;s worth ensuring any policy covers the following:\u00a0\u00a0<\/p><ul><li><strong>Any outstanding debts<\/strong>\u00a0that need to be paid off (including mortgages, unless they&#8217;re covered by a separate policy).<\/li><li><strong>Immediate outgoings<\/strong>\u00a0your dependants would need to pay.<\/li><li><strong>Future spending<\/strong>\u00a0you would have wanted to make, eg university costs for the kids.<\/li><li><strong>Any additional expenses<\/strong>\u00a0a death may trigger, such as funeral costs.<\/li><\/ul><p>How long should the policy last?<\/p><\/div><\/div><\/div><div class=\"richText component section inline-image-third-width even col-xs-12 analytics-richtext\"><div class=\"component-content\"><source media=\"(min-width: 0px) and (max-width: 319px)\" \/><source media=\"(min-width: 320px) and (max-width: 479px)\" \/><source media=\"(min-width: 480px) and (max-width: 767px)\" \/><source media=\"(min-width: 768px) and (max-width: 1199px)\" \/><source media=\"(min-width: 1200px)\" \/><img decoding=\"async\" class=\"richText-image pull-right lazyloaded\" src=\"https:\/\/www.moneysavingexpert.com\/content\/dam\/mse\/editorial-image-library\/guide-images\/igd-life-insurance-hero-couple-child-forest.jpg.rendition.320.320.jpg\" alt=\"\" data-src=\"\/content\/dam\/mse\/editorial-image-library\/guide-images\/igd-life-insurance-hero-couple-child-forest.jpg.rendition.320.320.jpg\" \/><div class=\"richText-content\"><p>A policy covering children should last until they&#8217;d no longer be reliant on you\/your partner, so that&#8217;s generally at least until they finish full-time education.<\/p><p>If you&#8217;re planning on having more children you may want to estimate when that&#8217;d be rather than trying to extend or get a new policy later. This is because cover becomes more expensive the older you get.<\/p><\/div><\/div><\/div><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"should-i-take-out-critical-illness-cover\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-1285\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Should I take out critical illness cover?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1285\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"should-i-take-out-critical-illness-cover\"><p>This is a common add-on to life insurance policies, though you can also get standalone policies. We&#8217;re not big fans of critical illness insurance as many believe they will pay out if you get ANY serious illness and can&#8217;t work.<\/p><p>Yet that isn&#8217;t true \u2013 critical or serious illness policies pay out a lump sum if you get a specific illness as defined by the terms of the policy; for example losing one leg isn&#8217;t critical, but two legs is. So don&#8217;t think &#8220;I&#8217;m covered for cancer&#8221;; as most policies only cover a limited range of cancers.<\/p><p>Picking a good critical or serious illness policy would take a doctor and financial nerd combined, so one option is to get level-term cover and a separate income protection policy \u2013 which protects your income from a range of eventualities.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-do-i-compare-life-insurance\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-1286\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How do I compare life insurance?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-1286\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"how-do-i-compare-life-insurance\"><p>As a level-term policy only pays a fixed amount on death (and there&#8217;s usually little dispute over whether someone is dead or not), then providing the company is reputable, it&#8217;s just a case of the cheaper the policy, the better.\u00a0<\/p><p>However, The rule of thumb is you should get quotes from many providers. Yet unlike other insurances &#8211; such as a car or home, the cheapest prices are not usually on the standard comparison sites. You&#8217;ll generally find the cheapest quotes by going to a broker or comparing them on our website.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Look after the ones you love by comparing life insurance Compare life insurance quotes or critical illness cover with MoneyHub. MoneyHub experts say: &#8220;Thinking about how your family would cope financially if you were to die isn&#8217;t a cheerful topic, but it&#8217;s an important one. Our comparisons help you decide whether life insurance is right [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16985,"parent":231,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"elementor_theme","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-353","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/cute-family-playing-summer-field-150x150.jpg",150,150,true],"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/cute-family-playing-summer-field-scaled.jpg",2560,1707,false]},"categories_names":null,"comments_number":"1","rttpg_featured_image_url":{"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/cute-family-playing-summer-field-scaled.jpg",2560,1707,false],"landscape":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/cute-family-playing-summer-field-scaled.jpg",2560,1707,false],"portraits":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/cute-family-playing-summer-field-scaled.jpg",2560,1707,false],"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/cute-family-playing-summer-field-150x150.jpg",150,150,true],"medium":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/cute-family-playing-summer-field-300x200.jpg",300,200,true],"large":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/cute-family-playing-summer-field-1024x683.jpg",800,534,true],"1536x1536":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/cute-family-playing-summer-field-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/cute-family-playing-summer-field-2048x1365.jpg",2048,1365,true]},"rttpg_author":{"display_name":"Simon Grey","author_link":"https:\/\/moneyhub.ee\/en\/author\/admin\/"},"rttpg_comment":1,"rttpg_category":" <a href=\"https:\/\/moneyhub.ee\/en\/?taxonomy=translation_priority&#038;term=optional\" rel=\"tag\">Optional<\/a>","rttpg_excerpt":"Look after the ones you love by comparing life insurance Compare life insurance quotes or critical illness cover with MoneyHub. MoneyHub experts say: &#8220;Thinking about how your family would cope financially if you were to die isn&#8217;t a cheerful topic, but it&#8217;s an important one. Our comparisons help you decide whether life insurance is right&hellip;","_links":{"self":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/comments?post=353"}],"version-history":[{"count":0,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/353\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/231"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media\/16985"}],"wp:attachment":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media?parent=353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}