Confirm Task
Yes/No Have you properly calculated how much cover you need?
Yes/No Have you properly calculated how long you need cover in place for?
Yes/No Have you taken account of any existing life assurance plans when working out how much cover you need?
Yes/No Have you reviewed the cost of any existing plans, to see if you can get the same level of cover at a lower cost now?
Yes/No Have you considered 2 single life plans instead of 1 joint plan if you are covering your own and your partners life?
Yes/No Have you received more than one quote for the amount of cover you need from a number of different providers?
Yes/No Have you established whether the premiums quoted for the life assurance plan you need are guaranteed or reviewable?
Yes/No Have you considered whether or not the benefits payable in the event of death need to increase with inflation?
Yes/No Have you considered critical illness cover to go alongside the life assurance plan you are researching?
Yes/No Have you received and read the "personal illustration" document to review before committing to a new policy?
Yes/No Have you received and read the "Key Features" document to review before committing to a new policy?


If you are researching life assurance for a mortgage -

Yes/No Have you considered whether it is level term assurance or decreasing term assurance that you need?
Yes/No Have considered the maximum mortgage interest rate for each decreasing term assurance plan you have quotes for?
Yes/No Have checked to see if the provider of your chosen plan offers a 'free cover' period whilst they are underwriting?