Life Insurance Guide

We all know that protecting our family is pretty important but, let's admit it, life insurance is hardly top of most peoples' priorities. True, if you have a mortgage, the chances are you have it protected in case the worst happens – but apart from that most of us don't like to think about what the consequences might be if you or your partner fall seriously ill – or worse.

And, in any case, sorting out life insurance is time-consuming and complicated. At least, that is a popular perception. In fact, it needn't be complicated at all and AA Insurance has make it even easier with an online tool to help you work out the level of life cover you need.

Quick and easy

Simon Douglas, director of AA Insurance, explains. "The 'Online Advice Service' is a completely confidential and easy-to-use device and it's designed to help users reach a decision on what life insurance and critical illness cover most appropriate for them and their family."

The process takes around 15 minutes to complete and concludes with the most competitive quotation drawn from one of a number of the UK's leading insurers.

"Life insurance is something that many people put off buying because it can be an uncomfortable subject to tackle," Simon says. "Buying life insurance also necessarily involves a lot of personal questions but the online tool means that the process can be completed without discussing it with a complete stranger. Best of all, there is no 'hard sell'." The tool can be accessed through the life insurance home page.

Apart from the more familiar car and home policies, AA Insurance offers award-winning Term Life and Mortgage Protection cover costing from as little as £6 per month. Critical Illness is an optional extra while terminal illness cover is automatically included.

AA life insurance has won the Moneyfacts 'Most competitive term assurance direct provider of life assurance' award for two years in succession – so you know the premium is going to be very cost effective.