What affects the cost of lifeinsurance premiums?

AGE

The younger you are when you take outa policy, the lower the premiums

HealthYour BMI and family medical history will be

considered when calculating premiums

SmokingWhether you smoke or

not will drasticallyaffect the price of your

premiums

If you want tocut costs -

STOPSMOKING

Lifestyle &occupation

If you take part in extremesports, drink alcohol or

take drugs, or have a high-risk job, your premiumsare likely to be higher

Term payoutpremium

Type ofLarger benefit

payouts will havemore expensive

premiums

the amount of timeyou're covered for

Term-based policies are much cheaperthan whole of life policies

Guaranteed -

Reviewable -

Premium prices stay thesame

Premium prices will bereviewed by the provider

and may rise

Where COMMISSION-FREEPaying a one-off fee of £20 and no

commission makes premiumscheaper than price-comparison sites

YOU buyINDEPENDENT

DISCOUNTBROKERS ARE

MOST OFTEN THECHEAPEST OPTION