Directory - Life Insurance

Life Insurance Categories

Select the category of Insurance you require from the links below:-

Standard Life Insurance

Life insurance’s (or life assurance as it is sometimes known) is used to provide cover for the benefit of a person's spouse, partner or family in the event of their early death...

Visit the Standard Life Insurance< page to read more.

Age 50+

At retirement you can take up to 25% of your fund, including protected rights, as a lump sum, which is tax free. The remaining 75% must be used to provide a pension. This does not mean that an annuity has to be bought...

Visit the Age 50+ page to read more.

Armed Forces

As a serving or retired member of HM Armed Forces, it is important to know that you are receiving the appropriate financial advice from specialist insurance brokers and financial advisors who understand your situation...

Visit the Armed Forces page to read more.

Company Pension Schemes

Whatever the size of company, QuoteRack can put you in touch with specialist financial advisers who will be happy to offer advice and quotations for your company pension scheme...

Visit the Company Pension Schemes page to read more.

Critical Illness Protection

For cover in the event of a serious illness, QuoteRack can put you in touch with specialist financial advisers who will be happy to offer advice and quotations for your critical illness protection policy...

Visit the Critical Illness page to read more.

Family History

If you or members of your family have had any hereditary health problems and you are seeking insurance quotes for life insurance, mortgages or other financial advice, then it is worth looking to QuoteRack to do the leg-work for you...

Visit the Family History page to read more.

Hazardous pastimes

If you take part in a hazardous pastime or dangerous hobby’s (also known as hazardous pursuits) such as rock climbing, scuba diving or caving, you may find certain types of insurance difficult to obtain, including life insurance, income protection insurance, permanent health insurance and mortgage protection insurance...

Visit the Hazardous pastimes page to read more.

High Value

Insurers become far more discerning when a few individuals represent large potential claims. In these cases insurers are likely to be far more interested in the health, occupations and pastimes of each client and take particular interest in reasons why such a high level of cover is necessary...

Visit the High Value page to read more.

High-Risk Occupation

Occupations that need to be considered include miners, pilots, professional sportsmen and sportswomen, steeplejacks, aerial riggers, divers and off-shore riggers...

Visit the High-Risk Occupation page to read more.

Impaired Life Annuities

Until a few years ago, impaired life annuities were available on a one-off underwritten basis but they were not widely marketed. It is only since the arrival of specialist companies and standardised enhancements that competition has come into the marketplace...

Visit the Impaired Life Annuities page to read more.

Income Protection

For cover in the event of illness or redundancy, you can protect your income with an income protection policy...

Visit the Income Protection page to read more.

Mortgage Protection

If you need life cover in respect of your home-purchase mortgage, a standard mortgage protection policy might be for you...

Visit the Mortgage Protection page to read more.

Non-Standard Mortgage Protection

Many people can find themselves in difficulties with mortgage or other loan repayments, which can result in a bad credit rating and problems borrowing money in the future. When you apply for a new mortgage or re-mortgage this might be refused, even though the problems are in the past...

Visit the Non-Standard Mortgages page to read more.

Pensions

When choosing or buying an annuity, the basic process is that you swap your pension fund for an income for as long as you live. The amount of income the insurance company offers you in exchange for your pension fund is called the 'annuity rate'....

Visit the Pensions page to read more.

Pre-Existing Medical Condition

Any Life insurance company looking to provide you with insurance cover must decide whether or not you are an acceptable risk. If you suffer from a pre-existing health or medical condition, they will want to check on your general state of health before deciding what premiums to charge for the insurance cover you require...

Visit the Pre-Existing Medical Condition page to read more.

Previously Rejected

Many people can find themselves in difficulties with mortgage or other loan repayments, which can result in a bad credit rating and problems borrowing money in the future...

Visit the Previously Rejected page to read more.