How to work out what U need, choose the right policy, and buy life cover with confidence. Every step links to a full guide.
Life insurance comes down to a few clear decisions. This checklist walks U through each one, from coverage amount to naming beneficiaries.
Tick each step as U go. Your checklist saves automatically on this device.
Start with who depends on you and for how long.
The people a payout would protect if you were gone.
Who needs life insuranceA common guide is ten to fifteen times your income, plus debts.
How much life insurance do you needLong enough to cover the years people rely on you.
How to choose a life insurance termDecide what you can comfortably spend each month.
How much life insurance costsMatch the policy to your goal before you compare.
Term is simple and affordable. Whole life costs more and builds cash value.
Term vs whole life explainedIncome replacement, mortgage cover, or lifelong needs.
How to choose a life insurance policyOptions like waiver of premium or an accelerated death benefit.
Life insurance riders explainedDecide who receives the payout before you apply.
How to name a beneficiaryPrices for the same cover vary widely between insurers.
Three is the minimum to know you got a fair price.
How to compare life insurance quotesThey must be able to pay decades from now.
How to choose a life insurerMany policies require one. Some skip it for a higher price.
The life insurance medical examLevel premiums and guaranteed renewability protect you.
Life insurance guarantees explainedGet the application right so a claim is never at risk.
Errors or omissions can void a claim later.
How to apply for life insuranceBook it early to avoid delays.
The life insurance medical examYou can cancel for a refund in the first days.
The life insurance free look periodA payout only helps if your family can claim it.
Where to keep your life insurance policyKeep the policy matched to your life.
Marriage, a child, or a new mortgage all matter.
Your annual life insurance reviewKeep them current after any life change.
How to update a beneficiaryNeeds change as income and debts change.
How much life insurance do you needAdd a second term policy if your needs grow.
Laddering life insurance
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