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Life Insurance for Single Parents

Single parent life insurance quotes

  • Life insurance from UK insurance providers
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life Insurance For Single Parents 

Find a cheap quote for single parent life insurance


Single parents are busy people. If you’ve made the wise decision to sort out your life insurance and financially protect your children should the worst happen, Quotezone can lend you a hand by independently comparing a range of suitable insurers.

More than 3 million customers use our comparison tool to compare insurance policies and you’ll have a range of cheap quotes for single parent life insurance within moments. Compare quotes from over 100 providers across the UK with our independent, unbiased service.

If you still have questions, read on to find out the key things to look at when taking out life insurance for a single parent.

 

How can I reduce the cost of life insurance for single parents? 

You may want to have this financial security in place but worry about the costs. Here are a few useful pointers to help you secure the most affordable single parents life insurance. 

  • Paying annually rather than monthly will save you money.
  • Choose a term policy rather than a whole life policy. But double-check that you’re happy with the term on offer. 
  • Think carefully about the amount of cover you want.
  • Health and lifestyle changes can help. Quit smoking and reduce your BMI if you’re overweight, which may help bring the cost of your insurance down. 
  • Taking out a policy sooner rather than later can be beneficial as prices can rise as you get older.

Can my life insurance money go to my children?

Yes. Insurers will have a range of options available to you. 

Your life insurance money can be paid out in one lump sum once your children turn 18. Alternatively, it can be paid in instalments (similar to your salary arriving each month). This can be used to support your children whilst they are being looked after by family, friends, or by foster or adoptive parents. 

You can also arrange to link your life insurance payout to your mortgage and pay it off. If this appeals to you, ask your chosen insurer about decreasing term insurance. This type of insurance gets cheaper each year because your mortgage is a liability that decreases each year. 

Ask your insurer about naming an adult beneficiary who will receive the money. They could then manage the money on behalf of your children before they reach adulthood. 

 

Will my life insurance cause issues for my children in terms of tax and benefits?

Your chosen insurance company will be able to help you with this. If you place your payout in a trust, for example, your children can avoid paying inheritance tax. 

Be aware that your life insurance lump sum could affect your child’s means-tested benefits. 

Try out quotezone to see what policies you can secure today.