jase
1
Hey everyone, I’m looking to purchase life insurance and wonder if anyone has had a particularly great experience doing so?
I’m quite provider agnostic on the whole, looking for around £500,000 to cover 2 people for around 30 years each.
The annoying thing when trying to look at the cost is that the premiums are linked to inflation but have a minimum base rise.
I have or had cover previously (it’s complicated) where premiums were paid with a high up front cost and a much lower regular premium, which I prefer.
FYI: I would prefer to avoid using a broker.
rebekah
2
Hey @jase 
I’ve never bought life insurance before, but I remember @Pa.ul and @slewis saying they had? Can you guys help out?
Also, have you looked at the compare life insurance section on Emma? 
Pa.ul
3
Never for that sort of cover!
Mine was a decreasing term life assurance that covered the mortgage. Cancelled when I paid it off early.
Had life insurance through work, while working. That policy finished when I left work.
Now just have one policy for £10,000 SI at £5pm
Not really much help. Sorry.
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jase
4
Appreciate it all the same @Pa.ul
I have also looked at slightly less cover but hadn’t looked at decreasing term cover.
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