how life insurance is measured

Life insurance / assurance will protect your family against your death or disability. You need it if you have people who depend on your earnings or on your hard work at home. You particularly need it if you have a mortgage or other large debt.

The cost of life insurance depends on two factors: how much life cover you want and how long you want it for.

When insurance companies have assessed this, then they will look at your age, sex, and occupation, as well as take into account your health and smoking habits.

Another issue that can affect your premium is your medical history and current state of health. If you have any concerns, remember do mention this when choosing your life insurance / assurance, as you may be able to find a life insurance policy that specifically covers your needs and requirements.