**Our average life insurance prices are based on all our customer quotes for each age group stated. They cover a mix of personal circumstances, as well as different types and levels of cover. All average premiums are based on Compare the Market data from May to September 2018 where the customer has clicked through to buy from the life insurance provider. You may find a cheaper or more expensive quote based on your personal circumstances.

• If you and your spouse/partner both need life cover, check whether it’s better value to buy a joint life insurance policy, rather than one policy each. However, make sure that’s the right option for your circumstances, because if one of you passes away a joint policy will end after one lump sum pay out leaving the other person without cover. So, if you and a partner were both to pass away at the same time, for example in a traffic accident, there would just be one pay-out instead of two for a joint policy. It’s important to be sure that if the worst happens a child or another dependants are protected.

• Ask yourself whether you also need critical illness cover. For a slightly higher cost, you can arrange for the policy to pay out not only in the event of you passing away, but also if you become seriously ill. Learn more about critical illness insurance.

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Life insurance is something we should all think about sooner rather than later, especially so if you have a family, mortgage, debts or dependants. But you could need a life insurance policy at any time of your life.  

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