Log in Register

Start Your Free Life Quote Now

Embark on a path to ensure financial security for your loved ones with our Life Cover policy. Life Cover is essential for providing a tax-free lump sum to your family in the unfortunate event of your premature death, ensuring they are financially secure. At Linked Financial, we simplify the process of obtaining Life Cover. With our online quote system, you can easily determine the level of coverage that fits your needs and budget.

Our policies offer flexibility in terms of coverage amount and policy duration, ranging from a minimum of 5 years to a whole life span, tailored to your personal circumstances. The monthly premiums are fixed and affordable, with the option to adjust for inflation annually.

Secure peace of mind quickly and easily with our streamlined online process.

Policy Details
Choose Your Plan
Your Information
Quote Confirmation
Error Message

Oops! There seems to be an issue with your submission. Please take a moment to review and correct the fields marked in red below.

Oops! There seems to be an issue with your submission. Please take a moment to review and correct the fields marked in red below.

Your Policy

Determining Your Life Cover Amount

The 'Amount' in Life Cover represents the total sum that will be paid out to your beneficiaries in the event of your passing. This is how it works:

  • It's based on your annual income, financial obligations, and the standard of living you wish to maintain for your dependants.
  • A higher cover amount ensures greater financial security for your family but comes with higher premiums.
  • Consider debts, education costs for children, and income replacement in determining the right amount.

Choosing the Right Term for Your Life Cover

The 'Term' of your Life Cover policy determines how long the coverage will last. Here are some guidelines:

  • Choose a term that covers you until significant financial obligations are met, like retirement or your children's education.
  • Longer terms offer extended protection but may have higher premiums.
  • Shorter terms can be more affordable but might require extension or renewal as your situation changes.
Your Details

Smoking Status and Its Impact on Life Cover

This question helps us determine your smoking status, which is a crucial factor in calculating your Life Cover premium:

  • If you have smoked any tobacco products within the past 12 months, you need to answer 'Yes'.
  • This includes not just cigarettes, but also cigars, a pipe, and other tobacco products.
  • Vaping or using e-cigarettes is also considered smoking for insurance purposes.
  • Smokers typically face higher premiums due to the increased health risks associated with tobacco use.
  • Being truthful about your smoking status is essential, as incorrect information can affect the validity of your policy.

Choosing the Basis of Cover: Single Life or Dual Life

The 'Basis of Cover' is an important choice in your Life Cover policy. It determines who is covered and how the policy operates:

  • Single Life: This cover is for one person only. The policy pays out on the death of the insured individual and then ends.
  • Dual Life: This option covers two people, often partners or spouses. It allows for two separate payouts, one on the death of each insured person.
  • Dual Life can be more comprehensive, as it provides protection for both individuals, but may come with higher premiums.
  • Choose Single Life if you want coverage for just yourself, or Dual Life if you wish to extend protection to your partner as well.
Partners Details

Powered By

Linked Financial

Our Partners

Royal London New Ireland Aviva Zurcih Standard Life

Frequently Asked Question about Life Cover

The cost is influenced by factors such as age, health status, smoking habits, the amount of cover you choose, and the term of the policy. Lifestyle choices and medical history also play a significant role.

Searching for Your Ideal Quote...

We're searching for the best options tailored just for you. Hang tight - this will just take a moment.

Royal London New Ireland Aviva Zurcih Standard Life