Life Insurance Secrets: Expert Tips to Get More Cover for Less….

We all know how important it is to stretch every pound right now!

With bills rising and the weekly shop costing more than ever, lots of families are looking for ways to save money without cutting corners on the things that matter most.

One area where many of us spend more than we need to is life insurance. We’ve all seen those adverts promising “cover from £5 a month” — but in reality, most families pay a lot more, and often don’t even get the cover they actually need.

I’m not an expert in this area though so, to help make sense of it all, I asked Noleen Curran, founder of Life Insurance NI, to share her insider tips. She’s spent years helping families across the UK protect what matters most, and she knows exactly where people go wrong — and how small tweaks can save you a fortune.

Here are her 10 top tips to help you get more cover for less.

Why Families Often Overpay

According to Noleen, families often fall into the same traps:

• Believing the “from £5 a month” adverts, which usually only apply if you’re very young and very healthy.

• Picking the wrong policy type. Whole-of-life can cost much more, when most families only need term cover.

• Forgetting to review old policies, even though life changes fast. The policy you took out in your 20s might not suit your family life in your 40s.

10 Tips to Save Money on Life Insurance

1. Get Covered Early
   Premiums go up with age and health conditions, so the earlier you sort it, the cheaper it’ll be.

2. Only Cover What You Need
   Work out how much your family would really need — mortgage, childcare, living costs. Don’t over-insure.

3. Pick the Right Policy
   Most families only need term insurance. It’s cheaper and usually the most practical choice.

4. Use a Trust
   Placing your policy in trust keeps the payout outside your estate, so it avoids delays and unnecessary tax.

5. Look After Your Health
   Smokers and people with un-managed health issues pay more. Quitting smoking or losing a little weight could save you serious money on your premiums.

6. Think Carefully About Joint Policies
   They can be cheaper upfront, but only pay out once. Sometimes two separate policies work out better in the long run.

7. Watch Out for Extras
   Add-ons like critical illness cover can bump up the cost. Check if you really need them.

8. Review Regularly
   Every few years, look at your policy. If your mortgage has gone down, you may not need as much cover.

9. Don’t Just Look at Price
   A slightly higher premium from a reliable insurer can be better value than the cheapest deal that doesn’t pay out quickly.

10. Get Expert Advice
    A quick chat with someone who knows the industry can save you thousands over the life of a policy.

Why It Matters for Families

Smart life insurance decisions don’t just save you money now — they protect your family’s future too. The right policy means:

• More money left in your household budget.

• More protection for your kids if the worst happens.

• Peace of mind knowing your family home and finances are secure.

Life insurance doesn’t have to be expensive — but it does need to be chosen carefully. By following these tips and getting the right advice, you can make sure your family is properly protected without overspending.

As Noleen puts it:

“Protect your family without overpaying. With the right advice, you can get more cover for less and look after your loved ones — without wasting money along the way.”

For more guidance and personalised advice, visit Northern Ireland’s most trusted Life Insurance company, Life Insurance NI

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