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The premiums for Life Assurance policies vary according to your personal circumstances such as age and medical history. Also your choice of Life Assurance company can have a impact on the level of premium required.

Pension plans - personal or occupational - sometimes include Life Assurance, which would be payable if you died before reaching the retirement age set within your pension plan. Often in the case of occupational pension schemes the cover is expressed as a multiple of salary.

If your Life Assurance is arranged through an occupational pension scheme offered by your current employer, you must seriously consider starting a new policy, to replace the cover, if you leave your job. This is especially important, as an interim measure, should your new employer only provide Life Assurance protection once you have completed a period of time (e.g. a probation period).






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