Life insurance

Affordable life insurance, so you can protect your loved ones.
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life insurance

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Level term insurance

Level term insurance is one of the most popular insurance policies in the UK. It is a type of life insurance that protects you and your family in case of death, disability or terminal illness. This policy can be bought to protect yourself and your loved ones up to a certain level.

Decreasing term insurance

Decreasing term insurance is a type of life insurance policy that provides payments over a number of years, typically 10-30. With decreasing term insurance, you pay a fixed amount at the beginning, and the insured amount gradually decreases in line with your mortgages or loans.

Whole of life insurance

Whole of life insurance is a type of insurance that covers the whole of your life. This type of policy can offer a lot more financial protection than other types because it includes protection against not just one event, but a range of issues such as illness and disability.

Insurance for mortgage

Mortgage insurance is a product that protects borrowers in case their home loan becomes unaffordable due to events such as job loss, medical bills, or natural disasters.

Joint insurance

Discover a better way to protect your family with joint life insurance. Joint life insurance is a type of life insurance that covers the lives of two or more people.

Business life insurance

Business life insurance provides coverage for your business, employees, and their families in the event of a permanent or temporary disability or death. Business life insurance can protect your business from financial ruin, so contact us today to learn about our policies.

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We believe in giving people the opportunity to live a better life. That's why we offer affordable plans that cover you and your family. So why wait?​

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Our customers tell us that they love how we offer such a wide variety of products to choose from at reasonable prices. Not only that, but our brokers are always available to answer any questions and help you through the process.

Best life insurance

What is life insurance?

Life insurance is a type of insurance that pays a sum of money to the policyholder or their beneficiaries in the event of their death.

There are many types of life insurance policies available in the UK, and each one will have different benefits and exclusions. The most common type is term life insurance, which pays out a lump sum if you die during the term period (usually between 5 and 30 years).

Life insurance is not just about providing financial security for your family. It can also provide peace of mind for both you and your loved ones.

How does life insurance work in the UK?

It is usually a contract between an individual and an insurer. The person pays premiums in exchange for the insurer’s promise to pay out on death, usually as a lump sum to the beneficiary or beneficiaries of their choice. The death benefit is paid to the policyholder’s estate, which can be used to help meet the needs of the dependents.

Are you eligible for life insurance?

This is a question that many people ask themselves. It is important to know that the answer to this question varies depending on different factors, including your age and health.

The first step in determining your eligibility for insurance in the UK is to determine if you are healthy and have a good lifestyle. If you are not sure about how healthy you are, take a look at your family history and see if there is any history of heart disease or diabetes in your family.

You should also take a look at your diet and see if you are eating well or not-so many people don’t eat enough fruits and vegetables!

If you have done all of these things, then it is time to see a doctor for an examination. This will tell them what health risks you may have.

Contact Count Ready now for free quotes.

How much life policy cover will you need?

In the UK, the average life expectancy is 81 years. This means that you need to consider how much life cover you need in order to make sure that you will be able to pay off your mortgage and leave money for your loved ones.

The amount of life cover that you need depends on various factors, such as:

  • Your age and health,
  • Your current financial situation,
  • How much money do you want to leave behind for your family after your death?
  • What kind of mortgage do you have?

Do you need a life insurance policy?

These policies are important for anyone who has dependents and wants to protect their loved ones from the financial hardship of losing a provider. Even if you have other sources of income, such as a pension or business, cover can still be beneficial. The best way to find out which type of life insurance policy is right for you is to speak with a broker.

How long do I need insurance cover for?

The amount of time you need to cover your dependents financially will depend on a number of factors. Your dependents’ needs, your age, the cost of living in your area, the cost of replacing any income they bring in, and how long you plan to live are all things to consider when determining how much life insurance you need. Talk to a broker now.

What type of life insurance do you need?

Life insurance can be purchased in various forms, depending on the needs and requirements of the individual customer.

There are different types of life insurance policies available for purchase in the UK. In the UK, there are 3 major types of life insurance: term, whole-life, and endowment.

  • Term insurance is one of the most common types of life insurance. It covers a specific period and pays out a lump sum to beneficiaries if the insured person dies during that period.
  • Whole-life is one type of permanent cover that provides coverage until you die, but it will cost more than term life because it includes savings and investment benefits that will grow over time.
  • The endowment is another type of permanent policy that provides a death benefit and a cash value. It can be a good option for those who want guaranteed coverage as well as cash value growth.

Do I need a joint or separate life insurance policy?

It is becoming more and more important to have a joint life insurance policy in order to provide the best protection for your family as individuals.

A joint policy is a product that combines two separate policies into one, which can be owned by any one of three: marriage, civil partnership, or cohabiting couples. A joint life policy will cover both parties should they die and can also cover dependents of the insured. Most importantly, a joint life insurance policy can be less expensive than if you buy the policy separately.

Separate policies mean that each person is covered separately and will only receive their own payout should they pass away. The cost of life insurance can be expensive.

What type of life cover do you need?

There are two types of life insurance cover in the UK. They are level insurance cover and decreasing insurance cover.

Level cover: Level cover is the simplest type of life insurance and it usually offers a fixed sum for a set period of time.

Decreasing cover: Decreasing cover provides for decreasing levels of benefit over time. The amount decreases as the insured ages. It is often used as a savings plan to pay off any debts, mortgages, or to provide for dependents after death.

What does life insurance cover?

We can’t predict the future, but we can take steps to prepare for it. Life insurance is a contract between an insured and an insurer. When the insured dies, the insurer promises that it will pay out a certain amount of money. The insured pays a set amount of money each month to the insurer in exchange for this promise.

The life insurance coverage includes:

  • Death benefits
  • Funeral expenses
  • Benefits to dependent children
  • Benefits to spouse/partner
  • Pension payment
  • Paying mortgages

Protect your loved ones with a right cover

Life insurance policies help protect your loved ones should you die. We have competitive rates and a team of experienced brokers that can find the perfect fit for you and your family.

Instant coverage: We offer instant life insurance quotes, with coverage starting as soon as the application is completed. There is no waiting period and no medical exam is required. You can even apply in minutes from your phone or home computer!

Get advice from a broker: Count Ready offers you the opportunity to consult with a broker who will help you make well-informed decisions based on your unique financial needs.

Pay less, live more: Count Ready offers you the best rates in the industry so that you can get more out of life without being burdened by high monthly premiums.

If you need a life insurance, we can help.

Count Ready: The smarter way to buy life insurance

We’re here to help you plan, protect, and ensure your family’s future.

Insurance that keeps you secure: At Count Ready, we offer life insurance for a variety of situations, so you can stay on top of your finances, no matter what life throws at you.

Solutions for every need: Whether it’s short-term protection, long-term care, or retirement insurance, we’ve got the right solution for you.

Your one-stop insurance destination: We offer everything from home and auto coverage to pet and renter’s insurance. Let us help make sure your family is covered in every way possible!

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