Life Insurance-Our Do’s & Don’ts

Our Do’s & Don’ts


We at The Cheapest Life Insurance have put together a selection of helpful hints to get you headed in the right direction and get the most out of your policy right from the start. Sticking to our hints will help you to avoid any nasty shocks in the future.

Our Do’s

  • Update your policy: make sure you tell us when things in your life change. This includes things like having a child, changing in your job, wage and financial commitments/debt.
  • Take advantage of our Trust service: we can put your policy into Trust free of charge. This will help your policy not be subject to inheritance tax and is likely to help you speed up the time of pay out.
  • Look around for deals: our price comparison service fueled by our panel of established UK insurers is a great way to open up your options and gain more choice.
  • Be flexible: we will do our best to find you cover at a great price but remember to be open to a variety of insurers. Homing in on just one could narrow down your options.
  • Think about your outgoings:  over your main financial commitments including mortgages and loans.
  • Be honest: be truthful and upfront when getting a quote and going through your policy this will help you to avoid policies that are challenged or don’t pay out. If you are working in a high risk job, we aim to help you find cover.

Our Don’ts

  • Don’t forget to think about the future: it’s likely your expenditure will change in the future; it may include school or university fees as well as things like home improvement.
  • Don’t over estimate: be realistic about the amount of cover you need now and in the future. Over estimating can result in higher premiums.
  • Get your life insurance separately, not from your mortgage provider: you may need life insurance to get your mortgage but look around for a policy as mortgage lenders can give over inflated prices.
  • You don’t need a joint policy: you can both have separate cover and keep your individual policy should one of you die.
  • Don’t underestimate a parent who stays at home: statistics have been released estimating the work of a full time mum and being worth £30,000 plus per year.


We aim to provide you with cover that is reflective of your circumstances and life style. If you would like to us to help you find the protection you need, give us a call today or fill in our quick quote form and we will get back to you.