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Life Assurance

Parkway Financial Solutions are Life Assurance specialists and our expertise is in helping people who:

  • have a pre-existing medical condition or poor medical history;
  • work in a hazardous or high risk job;
  • have an unusual or high risk hobby;
  • are struggling to find insurance;
  • are in perfect health but are looking for a competitive quote.

We are specialists in knowing which insurance company is most likely to consider your Life Assurance application favourably. We have a proven track record in obtaining insurance for people who have had their Life Assurance refused or their insurance premiums rated.

How to get the best value Life Assurance

When it comes to working out the best things to spend your hard-earned money on, insurance is rarely something which fills us with excitement and anticipation. Although it’s something which we all need to provide financial security, it’s easy to put it off in favour of more pressing needs such as groceries or home repairs. However, buying your insurance need not be a difficult process, and finding cheap products and cover goes a long way to taking the sting out of paying your monthly premiums.

The best way to find the cheapest products to meet your needs is to shop around carefully before making a purchasing decision. Knowing what cover you need and which providers can offer the best deals will support you to make an informed decision and will hold you in good stead should you ever be in a position to make a claim.

These days, there is no better time to look around for a great deal on your Life Assurance. Rates are falling for cover, as overall we are living longer. This means that it costs less for people to pay protection against dying, as the mortality rates at certain ages have dramatically changed over the past few years. Previously, Life Assurance rates were calculated on a few basic principles such as whether someone smoked or not, or whether they were male or female, but insurers are adopting more sophisticated ways of assessing the risk of each policyholder, and pricing their policies accordingly.

A good way of saving money on your Life Assurance needs is to establish exactly what your specific individual requirements are. For example, if you choose Term Life Assurance, you pay less for your cover as there is no associated savings component to the product. Cheap and efficient, Term Life offers the opportunity for policyholders to receive a cash sum in the event of their death, to cover debts such as mortgages or loans. It’s an ideal product if you have children who will require financial support through university, or to safeguard mortgage payments.

Other considerations when choosing a cheap deal include the type of policy you go for. Individual policies tend to be cheaper than those provided for groups, which are available through employers or associations. In addition, you now have options for cover which are tailored to your specific needs, including safeguarding against illnesses which you may have a higher risk of contracting, or choosing cover based upon the fact that you are a non-smoker.

Overall, it has never been easier to find a low-cost, high-performance Life Assurance policy to meet your needs. With a bit of shopping around, you’ll be ideally placed to hunt out the best possible product for your requirements.

Contact Parkway Financial Solutions today and let us help you find the best value Life Assurance.


WARNING:  Critical Illness -The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents

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