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24 Apr 2014

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Life Insurance News

Lifestyle changing and exclusions can result in lower life insurance premiums

Consumers eager to cut their life insurance premiums or those interested in reducing their income protection payments should consider changing their lifestyles such as losing weight or quitting smoking.

This has been suggested by the Financial Times (FT) in an article on how to save money without compromising cover, which has highlighted a policy from PruHealth that offers lower premiums for those who can show they are keeping fit by going to the gym.

Non-smokers with policies covered by insurer Legal and General and LV= can save thousands of pounds in cheaper premiums compared to those who smoke, recent research from moneysupermarket.com showed.

The FT has also suggested looking at options on life cover such as family income benefit, which works by ensuring beneficiaries get a monthly income instead of a lump sum in the event of a death.

According to the newspaper, "the premiums for this option are often cheaper and it can end up paying a lot more than the initial sum assured" if the death of the policy holder occurs early on in the plan.

Other suggestions include shopping around for cheaper cover and ensuring you are not paying double if an employer is providing cover.

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Lifestyle changing and exclusions can result in lower life insurance premiums