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 What is Life Insurance?

When purchasing a house, many people focus on protecting their possessions with contents insurance and the house itself with buildings insurance, but often overlook protecting themselves.

Life Assurance, in a nutshell, helps protect families against financial difficulties should one partner die.


It is particularly important when buying a house as most families are taking on a large financial commitment through their mortgage. As you can imagine, if the main income earner unexpectedly died, there is a danger that the family could have difficulty keeping up with the mortgage repayments, and risk losing the house.

Life assurance can also protect you beyond your mortgage. Other policies, for example, cover critical illness and critical events. These are explained more detail later.

One confusing area worth clearing up is the terminology used. The words "Life Insurance" and "Life Assurance" are often used interchangeably. We will stick with Life Assurance for the purpose of this guide.

The HouseWeb Life Assurance Guide has been written to help make sense of this financial maze, helping you understand the different types of policies, what it will cost, the questions you need to ask.

*   What You Need to Know

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