Following on from Mb's advice, where do you start with buying life insurance?

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Any advice welcome. Neither of us has any.
TIA.

i am getting some good quotes for 300k on my life for 30 years - monthly payments a little less than 20 quid

Our life policies have an early pay out option for terminal illnesses. Not all do though.
That is very sad about your friend Cmotdibbler.

www.lifesearch is a good independent brokerage service. We used it. If the life cover, is for death only, don't forget to put it in trust, so that the proceeds of the policy fall outside of your estate for inheritance tax. No point paying for £1m of cover, only to leave it out of trust, and be liable to IHT@40 % on it.
Trusts don't work if you incorporate critical illness cover in the policy too, as this could pay out in your lifetime.

Found a couple of quotes which include terminal illness cover - does anyone know anything about this - think it's a good idea?

Terminal Illness Cover probably won't add a huge amount to the quote (I used to program life insurance quotation systems) as if you have a terminal illness they'd have to pay out anyway on the life element of the policy, and if so is probably worth having -- it means your life insurance pays out when a terminal illness is diagnosed rather than having to wait until you are actually dead, which is likely to be useful. Critical illness cover (where you won't necessarily die) does work out more expensive, though.

Well, you will necessarily die we all will but you won't necessarily die of the critical illness, or any time soon.

Please read small print on Life Ins.
My FIL died 3 weeks ago, he thought he had everything covered but it turned out his Life Ins only pays out when my MIL dies. So MIL now has no money to pay for funeral.

Tas1 for you.

But have you investigated the funeral grant thing that most people are entitled to.

I know it is not the same, but if you havn't already though about it it may help.

Thanks, I will look into it.

I have just completed my insurance policy - just waiting for paperwork, so not quite covered yet. Need to get DH sorted, I have some work policy, whereas he has nothing at the moment.