My Life Insured is a telephone-based protection insurance adviser in the UK.

We promise to give you plain-speaking, objective advice and to find the right type of Life Insurance and protection policies for you and to get you the most competitive cost possible.

My Life Insured is able to recommend a panel of a carefully selected range of some of the biggest household named insurance companies such as AIG Life, Aviva, Legal & General, Liverpool Victoria, Royal London, Scottish Widows, Shepherds Friendly, and Vitality Life.

By getting to know you, My Life Insured Advisers can find the cover that suits your needs

We will search for the best value plans for you and we will find the right cover for your circumstances.

We work to your needs and to your budget and because we work with a carefully selected panel of the UK’s leading insurers, we always have access to the very best prices.

By getting to know you and finding out what you want, My Life Insured advisers will find the cover that really suits your needs.  This is because we know the UK insurance protection market better than anyone else and we can promise you the most extensive research through our comprehensive panel of insurers in order to ensure providing you the best value for money policies available.

Our 5 step advice process:

1. We get to know you, your circumstances and your budget
2. We recommend what we think is best
3. You decide what you want and how much to spend
4. We take you through the application process
5. We put the plan into force

Do you need to protect a mortgage/debts, do you have children and a spouse or partner?

How much do you spend each month?

You may have insured your iPad or phone, protected your pet, have buildings and contents insurance, have car insurance etc

But have you protected the one thing that pays for all of that – the bread-winner? (the money-making machine)

Do you want to include a spouse or partner?

It surprises some people that insurance can deliver yearly or even monthly payments instead of a single, one-off lump sum.

For a lot of families, a fixed income offers a better way to plan their finances – and as fixed income cover is often much cheaper to buy, it makes sense all round. Would it suit you? Call us.

A quick comparison

A £30-a-month policy might provide a lump sum of £550,000 cash. Carefully invested, that sum could generate an income of £36,000 a year.

A £15-a-month income policy could provide a £36,000 annual payment TAX FREE – and last for 20 years.

Words of wisdom

“Income-based cover is designed to replace the bread-winner’s pay. It might not be right for everyone, but it’s a good place to start.”

Oliver Selman, My Life Insured Adviser.

Did you know?

Unlike a pension annuity, payments from insurance policies don’t attract income tax.

A 30-year old non-smoker can buy £200,000-worth of life cover for £10 a month.

The main cost of life insurance is based on your age at commencement plus your health.

So, the earlier you set things up, the cheaper it is.

Body Mass Index describes the relationship between an individual’s height and weight. A simple calculation using your height and weight generates a number that falls into one of four categories: ‘Underweight’, ‘Normal’, ‘Overweight’ and ‘Obese’.

Some insurers like to use Body Mass Index as a predictor of health and use this information when they’re setting the prices they charge. Other insurers are much more liberal and it affects their prices less. Whatever your BMI, knowing this information will help us find the right policy for you.

Whatever your budget, whatever your needs, we’ll find the right cover for you. Call us.

It is best to seek professional specialist protection advice when you’re buying protection insurance.

You get to benefit from the best-value cover available.

If you buy direct from a bank or insurance company and they can only offer you their own products.

My Life Insured has contact with a selected panel of many of the UK’s leading insurers and gives regulated, objective advice which means you get to choose from the highest quality and some of the best value the UK insurance market has to offer.

We’re part of one of the largest UK financial networks, PRIMIS Mortgage Network, dealing with a carefully selected panel of the UK’s leading insurance companies with access to their most competitive rates.

There are lots of different types of protection insurance. Here’s an overview of the main varieties:

Life Insurance

Pay a monthly premium and your insurer will pay out a tax-free cash lump sum in the event of your death. Generally, you insure yourself to cover a ‘term’ – the period of time for which your beneficiaries would be dependent on you.

Family Income Benefit

Like Life Insurance, you pay a monthly premium but instead of getting a lump sum, your beneficiaries receive a tax-free monthly income if you die.

Mortgage Life Cover

Mortgage Life Cover is designed to pay off your mortgage/ debts if you were to die during the term of your loan.

Income Protection

Income Protection policies protect you and your family if you are disabled due to accident or illness and unable to earn.

Critical Illness Cover

Critical Illness Cover is a type of insurance that pays you a tax-free cash lump sum if you’re diagnosed with one of the illnesses listed in the policy. This could enable you to pay off debts, buy a car, go on holiday, pay for private medical help or provide drawdown income.

Money loses its value over time due to increases in the cost of living (A loaf of bread costing 10p to buy in 1971 will cost you about £1.25 today).

Every year your cover would increase, without further medical evidence.

The base plans costs stays the same but you pay more for the indexed increase plus the fact that you are now a year older.

So an indexation option on your policy means your cover keeps track of inflation and doesn’t lose its real value.

A figure of 4% per year doesn’t sound too bad, but over the 30 years of a policy, it would reduce the value of the pay-out by two thirds!

Insurers want to know details of whom they’re protecting – knowing the risks allows insurers to price their policies competitively.

Why do you need to know my height and weight?

Body Mass Index (BMI) describes the relationship between an individual’s height and weight. A simple calculation using your height and weight generates a number that falls into one of four categories: ‘Underweight’, ‘Normal’, ‘Overweight’ and ‘Obese’.

So BMI gives an idea of health and life companies use this information when they’re setting the prices they charge.

Say you’ve got high blood pressure – most insurers will try to work out how much greater chance you have of being taken ill or dying compared to someone who hasn’t and they’ll price your cover accordingly.

Age is one of the most important factors that decides the price of life insurance.

Angela and Sue want to buy Life Insurance to cover them for twenty years. Angela is 20 so her insurance will pay out if she dies before she is 40. sue is 50 so hers will pay if she dies before she is 70.

Although Angela and Sue are each buying 20 years of insurance, the risks they are insuring against are actually very different, so the price for the cover is too. There are exceptions to the rule, but generally the younger someone is, the cheaper their insurance will be.

Whatever your age, there’s likely to be some form of insurance you can benefit from, and it’s always worth finding out what kind of cover is available. The important thing to remember is that Life Insurance is at its cheapest if you buy it now. Most policies allow you to fix prices at the age you start buying cover (or adjust them for inflation) so the younger you are when you start, the cheaper your cover will be. Call us to find out more.

Call the experts free on: 0330 058 1105

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Most of us know of someone who has suffered a serious illness, injury or died early.

The best we can do is to plan for an unknown future and protect those we love.

Protection insurance is a bit like pet or car insurance.

You pay the life company and IF you die within the term of the plan, they pay out.

With whole-of-life insurance plans, the life company pays WHENEVER you die.

However, if you stop paying, the life cover lapses and there is no return.

At claim stage, a life insurance plan is paid to the life assured’s estate and is, therefore, liable to probate delay and, possibly, inheritance tax.

If it is “written in trust”, the life company pays to the Trustees who’s responsibility it is to pay the beneficiary(ies) – ensuring that the right money pays out to the right person (s)  at the right time – and tax free with no delay.

In the vast majority of situations, the best thing you can do is put your Life Insurance policy in Trust.

If you’ve got an operation scheduled, it’s not the best time to be buying life insurance as life underwriters need some certainty.

It’s also worth noting that there are a number of ‘Guaranteed’ policies that don’t ask any health questions at all – they’re usually open exclusively to the over 50s and can provide funeral costs cover.

We can review all your existing protection plans – it’s part of our service.

You won’t need to change any of your existing policies (unless you want to!)

However, sometimes old plans may not be appropriate to your current circumstances.

Reviewing your cover might save you money, find you better benefits or, at least, confirm you’ve already got the best cover available.

Your bank can’t give you advice on the right product to buy because they normally only deal with one provider.

Having the right cover can stop a crisis becoming a disaster.

The right cover saves lives.

Most life insurance is bought in the hope it’ll never be needed. But as we know, life doesn’t always go according to plan. If things do go wrong, having the right insurance can stop a crisis from becoming a disaster.

Getting the right cover might mean your home and savings are protected if you have an accident and are unable to work. It could make sure you have the resources to travel abroad to seek specialist medical treatment if you or a family member becomes ill. Perhaps most importantly, it can be a way for you to secure your family’s future if you’re not around to provide. Get it right and your insurance can make your loved ones’ lives liveable and protect all that matters most to you.

Tell us what’s important to you – we’ll help you find the best way to protect it. Call 0330 058 1105 and talk to one of our specialist advisers.

Call the experts free on: 0330 058 1105

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Nothing’s more important than your family’s financial support,

If your income pays your family’s expenses, life insurance will support them if you’re not there to provide.

The sooner you act, the sooner we can get you covered.

Life Insurance won’t give you the option of being wise after the event: getting it sorted now guarantees it’ll be there when you need it.

Life cover is cheaper the sooner you buy it.

Because the cost of cover increases with age, the price goes up the longer you leave it. Since you’re the youngest you’ll ever be, the cheapest time to buy is now!

Protect your cover against future medical conditions.

Buy the right kind of policy now and you can protect yourself against the price rises that come with age-related medical conditions.

Buying life insurance sits on a lot of people’s ‘to do’ lists, but good intentions only count if they’re backed up by action. Get covered and you’ll protect your family, secure a great rate and  have that comfortable feeling that you’ve arranged your financial affairs and now have peace of mind.

With no dependents, Gill probably doesn’t need life cover (she might consider cover against falling ill or losing her income). If Sarah and the kids would be worse off if Tim died, life cover for Tim is a very good idea (a joint policy with Sarah even better), especially if their policy covers accidents with power tools.

In real life, of course, there’s a lot more to consider, but that’s why we’re here – to advise what’s best for you, and make sure you only pay for what you really need.

I know I should be thinking about Life Insurance

Forget about dying for a moment: life insurance is a wonderful way to cherish and celebrate life.

Your life insurance policy is there to benefit and protect the most important people alive – your family – and setting up a policy is one of the most thoughtful, generous and selfless things you can do.

People often say life insurance ‘buys peace of mind’. That’s all well and good. A My Life Insured policy will protect your family when it matters most. Call us.

Words of wisdom

“Life Insurance can be one of the most important insurances we ever buy. We all hope we never need it, of course, but being able to pay the bills, and securing your family’s future if something goes wrong, is important to everyone.”

Oliver Selman, Founder, My Life Insured

You can spend as much – or as little – as you like buying Life Insurance, but will your policy give you the cover you need?

Buying the wrong policy can be a costly mistake if it doesn’t pay out when you need it to. Whether you want to provide a nest egg for a loved one, pay off a mortgage or support your children through their university education – it pays to make sure you’ve got the right cover. Sometimes an extra pound or two a month will secure valuable benefits – sometimes a cheaper policy provides all the cover you need. Whatever your needs, our Advisers are on hand to make sure you get cover that’s right for you at the best possible price. Call us.

Call the experts free on: 0330 058 1105

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Critical Illness Cover pays you a tax-free cash lump sum if you’re diagnosed with one of the conditions listed in your policy. The illnesses covered by a Critical Illness policy must include: certain types/stages of cancer, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke. These illnesses account for 90% of all Critical Illness claims, and a Critical Illness policy has to cover those as a minimum.

Most policies cover an additional thirteen conditions, but at My Life Insured we’ll only recommend policies from insurers who cover a minimum of 30 different conditions. (Lesser policies aren’t cheaper in our view, they’re just worse.) Some types of policy can offer cover for even more: talk to us and let us help you choose the policy that’s right for you.

These lists are only a guide to the types of illness covered by various Critical and Serious Illness Cover policies. Definitions regarding the severity of each illness vary from insurer to insurer, and each insurer will have their own criteria for payment. Talk to us to find out more about the cover you need.

Must Have:
Cancer (some types)
Coronary artery surgery
Heart attack
Multiple Sclerosis
Kidney failure
Major organ transplant
Stroke

Should Have (all of the previous, plus):
Alzheimer’s Disease
Aorta graft surgery
Benign brain tumour
Blindness
Coma
Deafness
Heart valve replacement or repair
HIV/AIDS contracted in certain circumstances
Inability to perform duties of occupation
Loss of limbs
Loss of speech
Motor Neurone Disease
Paralysis/Paraplegia
Parkinson’s Disease
Third-degree burns
Total permanent disability

Could Have (all of the previous, plus):
Addison’s Disease
Bacterial Meningitis
Chronic Pancreatitis
Conn’s Disease
Cushing’s Disease
Creutzfeldt-Jakob Disease
Fibrotic lung disease
Giant cell Arteritis
Polyarterisis Nodosa
Fulminant Hepatic Necrosis
Permanent defibrillator insertion
Permanent faecal incontinence
Permanent pacemaker insertion
Polymyositis
Rheumatoid Arthritis
Sclerosing Cholangitis
Severe Cirrhosis of the liver
Sheehan’s Syndrome
Simmonds’ Disease
Systemic Lupus Erythematosis
Systemic Sclerosis
Total Colectomy
Wegener’s Granulomatosis
…and many more.

Talk to us to find out more

Critical illness cover can help you and your family cope in the event of a diagnosis of serious illness. The money provided from your claim could help in a number of ways.

Critical Illness Cover

This is the cover that pays out when you’re seriously ill

• A tax-free cash lump sum when you need it most.
• Protect against a major health crisis.
• Find a policy that gives the cover you need.

Not all Critical Illness Cover policies are the same. Choose yours carefully and it could be the wisest buy you’ll ever make, but it’s vitally important to know what you’re getting.

We’ll find the best cover for you.

What’s covered?

All Critical Illness policies must cover:

Certain cancer conditions  |  Coronary artery bypass  |  Heart attack  |  Kidney failure  |  Major organ transplant  |  Multiple Sclerosis  |  Stroke

Many people buy the cheapest cover they can get and then find they can’t claim.

A good plan might also cover:

Prostate cancer  |  Lower grades of breast cancer  |  Angioplasty  |  Loss of sight  |  Total permanent disability  |  Hearing loss  |  Many specific types of heart attack and cancer  |  Motor Neurone disease  |  Alzheimer’s disease  |  & more

How it works

Critical Illness Cover pays you a tax-free cash lump sum if you are diagnosed as having one of the illnesses specified in the policy. The cover can help with care costs, medical bills, or even travelling abroad for treatment. It can also cover your financial commitments if you have a major crisis.

Be careful: your gender, marital status, family history and whether or not you have children all affect whether or not a plan is right for you. Call us, and we’ll find the best cover for the conditions that concern you most.

Choosing the right policy is essential: speak with an Adviser and we’ll find the best cover for you.

Common questions

What is Critical Illness Cover? What am I covered for?

Critical Illness Cover protects against illnesses that have a severe impact on your life. All Critical Illness Cover includes the main critical illnesses people suffer from in the UK – coronary artery bypass, major heart attack, kidney failure, major organ transplant, multiple sclerosis, stroke and a defined set of specific cancers. Most good policies cover more illnesses, and these vary between insurers.

When does Critical Illness Cover pay out?

Policies pay on valid claims where the diagnosed illness matches the definition in the policy. It provides a tax-free cash lump sum.

Making the right choice, getting the correct policy for you.

What’s the difference between Terminal Illness Cover and Critical Illness Cover?

Aren’t they the same thing?

Although they sound similar, there’s a big difference between Terminal Illness Cover and Critical Illness Cover.

Terminal Illness Cover often comes with life insurance at no extra charge. It can allow insurance money to be paid out early if the person covered is diagnosed with an illness that gives them less than 12 months to live. This can be useful because the money could be used to fund palliative care, or help someone put their affairs in order.

Critical Illness insurance will pay out if you get one of the specific medical conditions or injuries listed in the policy. Examples of critical illnesses that might be covered include heart attack, stroke, or certain types of cancer. It only pays out once and then the policy ends. Some policies will make a smaller payment for less severe conditions.

Critical Illness Cover should be considered if:

You don’t have enough savings to tide you over if you become seriously ill or disabled

You may need to pay for medical treatment, cover adaptations to your home or pay off your mortgage if you become seriously ill.

If you’d like to find out more about Critical Illness Cover or Terminal Illness Cover, or wish to check an existing policy, call your My Life Insured Adviser on 0330 058 1105. They’ll be happy to help.

Call the experts free on: 0330 058 1105

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Protection if your children fall ill.

How are my children covered by my Critical Illness Cover?

Critical Illness Cover policies often cover kids automatically – but not always. If you want the best protection for your children, you may need to take extra care choosing a policy that covers them as well.

Supporting a child through their treatment for a serious illness can turn your world upside down. At such a crucial time. this can mean taking time off work for hospital appointments, staying with your child while they’re receiving treatment or even travelling overseas. Having Critical Illness Cover makes it easier to cover those costs – and helps you concentrate on what matters most.

Protection if your children fall ill.

Choosing the right policy could be the difference between successfully making a claim – and not.

Watch out: no two policies are the same!

Just as it does for adult policyholders, Critical Illness Cover pays a cash lump sum if your child is diagnosed with one of the illnesses covered. Children’s payouts are usually smaller than adults, normally between 20% and 50% of the adult rate, up to a maximum of £25,000.

• Some policies charge an additional fee for children; others won’t cover children at all.
• Different insurers limit the number of children covered, others have age restrictions.

Let us find the right policy for you.

We only recommend policies from insurers we know to be reliable and offer great value cover. Beyond that, it’s a case of matching your individual circumstances to the particular benefits of the policy that suits you best. Luckily, that’s what we are specialist at.

Call us – or get us to call you – and we’ll find the right policy for you.

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Terminal Illness Benefit is a benefit included in Life Insurance. It pays out the ‘Death Benefit’ at the point you’re diagnosed with a terminal illness rather than on death.

Critical Illness Cover is a different kind of cover that protects you if you’re diagnosed with one of the critical, but not necessarily fatal, illnesses during the length of your policy.

Good policies will protect your children too. If your child is diagnosed with one of the listed illnesses, a partial payment could be made. The money can be used to provide financial support at a very difficult and upsetting time.

Income Protection and Critical Illness Cover do very different jobs. To choose which is right for you, think about what you want to protect yourself from – and the kind of help you’ll need.

Which should I choose – Income Protection or Critical Illness Cover?

Income Protection provides a monthly payment if you’re unable to work – so it’s the right policy to choose if you want to cover household expenses during a period of incapacity or even unemployment. Critical Illness Cover generally pays a lump sum if you’re diagnosed with one of the illnesses listed in the policy – so it could be used to buy treatment, pay off a mortgage or make home modifications.

Income Protection covers up to 70% of your pay if you are unable to work. Being ill, injured or unable to earn is less of a worry when you know your wages are protected. Income Protection is “The one protection policy every working adult should consider” says WHICH?, but make sure you get a good policy.

Some cover insures you only if you’re unable to do any paid work at all – which means you could be out of a job but still not ill enough to claim.

Our promise is that if you’re working, we will only recommend an Income Protection policy that will pay out if you’re unable to do your own job, and not anything else.

We will find you the right policy to replace your salary and cover your outgoings until you’re back on your feet. Call us.

The numbers don’t lie…

£94.25 – the amount of statutory sick pay you have each week to pay your bills.
£0 – the amount of sick pay you receive if you’re self-employed.
15x more people are incapacitated than die during their working life.
1 in 5 of us are off work for more than six months before we reach 65.
Only 12% of employers support staff for more than a year off sick.

Ask yourself these key questions…

The bills don’t stop just because you do: if something did happen, how would you and your loved ones cope financially?
What sick pay do you get from work? When does it stop? How would you cope after that?
Who pays the bills when you’re unable to? Can you cover your monthly outgoings?
What effect would the loss of your income have on your household finances?
How long would your savings last if you were sick? How would you feel about using them up?

5 Tips to buying cover

• Protect essential bills, like mortgage or rent
• Get a plan that covers YOUR job’s pay
• Start now when the policy’s cheaper!
• Any cover helps. We work to your budget
• Plan your policy to save on cost

We appreciate that being self-employed gives you a host of extra responsibilities – and it’s all the more important that you can find a way to protect all the things you work hard for.

Being ill and unable to work is difficult for anyone, but with no sick pay to fall back on being unable to work is especially difficult if you’re self-employed. The good news is the risks are easy to manage if you’ve got the right cover.

Income Protection offers the protection company sick pay would, covering your living expenses and protecting your mortgage if accident or sickness mean you can’t work. With cover starting from as little as £10 a month, an Income Protection policy could be your smartest investment.

Call us and we’ll help you choose the right policy for you.

Few of us know exactly what kind of sick pay benefits are offered by our employers. It’s often a nasty surprise to find out how limited they are.

While most UK employers are obliged to pay Statutory Sick Pay of £94.25 a week, not all are, and although some will pay more, rarely does an employer offer your normal rate of pay. What you do get might not be enough to cover your outgoings.

State Benefits – Employment and Support Allowance

Only pays out if you’re unable to do any kind of work.
You’ll be expected to rely on savings first and foremost.
The level of your partner’s income will affect your claim.

Income Protection – Own Occupation cover

Pays in full if you’re unfit for your current job.
Is unaffected by your savings or other income.
Can continue paying until you reach retirement.

Even at its best, sick pay rarely offers long or even medium-term protection. Statutory Sick Pay ends after 28 weeks, some employers’ benefits last only a few days and only 9% of employers will offer any kind of help after a year. And unless you’ve got Medical Insurance as an employee benefit, you can’t expect your employer to meet any medical costs you might face.

Income Protection can support your family until you’re able to work while Critical Illness Cover pays a tax-free cash lump sum to help pay for treatment. We can tailor both types of policy to fit around your existing employee benefits, and give you the cover you really need.

Whatever your budget, whatever your needs, we’ll find the right cover for you. Call us.

What’s the difference between Accident, Sickness and Unemployment (ASU) and Income Protection (IP)? Aren’t they just the same?

ASU and IP are often confused, but they’re not the same at all. For most people Income Protection is much better value.

Both policies pay out if you’re unable to work. But whereas ASU offers a limited pay-out to cover mortgage or loan repayments, and then only for 12 to 24 months at most, Income Protection pays up to 70% of your pre-tax pay until you return to work. If you can’t return to work, an Income Protection policy could keep on paying you until you retire.

There are other differences too. ASU is usually sold off-the-shelf – a bit like Payment Protection Insurance (PPI) – so the decision to pay is made at the claim stage rather than defined up front, which means ASU’s successful claim rate is lower. Income Protection is individually-priced to the policyholder up front, and the care taken when setting up the policy means you’ll know exactly what you claim for.

This isn’t to say ASU is never the right policy to choose (Income Protection rarely includes Unemployment Cover, for instance, so if this is something you’re specifically looking for, ASU might be worth a look) but as a rule, we’ll only recommend ASU under certain circumstances.

According to WHICH? Income Protection is “The one protection policy every working adult in the UK should consider” – call us on 0330 058 1105 to find out more.

Call the experts free on: 0330 058 1105

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You probably bought cover to protect your house – how about everything that makes it a home?

Most people buy mortgage protection – it’s a type of cover that guarantees repayments on your house, but it won’t go further to help those who live there.

5 features you might look for:

1. Cover that protects your family’s day-to-day expenses.
2. Cover for the period your family needs it most.
3. Cover that offers critical illness benefits.
4. Protection against the rising cost of living.
5. Protection for your premium payments if you’re ill.

Why Family Income Benefit makes sense

Family Income Benefit gives the MOST COVER at the LOWEST COST – with great value policies starting from £5 a month.

It pays out a tax-free income and avoids investment fees, charges and tax.

It’s ideal for young families, and for those who need a lot of cover at low rates.

Money is paid in easy manageable payments that won’t run out too early.

My Life Insured will support you in the claims process. Just calls us and we’ll assist wherever possible and help you get everything clear with the insurer that is required at the time.

We’ll help you find the insurance product that will protect you when you need it most – and our claims team is your guarantee that is does exactly what it’s meant to do.

38% – Percentage of life cover, critical illness and income protection plans people believe are paid out each year
90% – Percentage of life cover, critical illness and income protection claims actually paid out each year
98% – The overall number of term Life Insurance claims paid out to claimants last year
91% – The overall number of Critical Illness Cover claims paid out to claimants last year

Additional support to help with illness diagnosis

About the Best Doctors’ service

Best Doctors’ gives you access to world-leading experts who’ll give you a second opinion on your case.

Best Doctors’ puts you in touch with leading specialists in your condition – doctors’ who will review your diagnosis, answer your questions, offer expert advice and make recommendations for treatment. With access to over 53,000 of the world’s leading medical professionals, Best Doctors’ can give you information based on the most up-to-date evidence-based medical knowledge and techniques, and the advice you need to make important decisions with confidence.

Helping you to find the right diagnosis, treatment and care.

If you have a policy that offers this service, you, your partner or any of your dependent children are able to access Best Doctors’ whenever you need to. The illness you’re enquiring about can be a pre-existing condition, and doesn’t even have to be related to a claim. You’re free to contact Best Doctors’ at any time during your policy, and a specialist will review your case and send you a detailed report with their recommendations for you to share with your treating doctor.

If you’d like further information about the Best Doctors’ service, or find out details about insurance that offers it, call your My Life Insured Adviser on 0330 058 1105. They’ll be happy to help.

Call the experts free on: 0330 058 1105

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To be able to get cover for just £5 will depend on your circumstances.

If you’re an 18-year-old non-smoker, £5 a month could get you as much as £150,000 life cover on a 20 year decreasing-term policy. If you’re 60 and want a legacy to pass on to a loved one, £5 might buy a guaranteed £1,000 cash lump sum. £5 buys different things for different people. The question is: what do want your £5 to do for you?

We promise to make your £5 work as hard for you as £5 can.

If anyone can find you quality Life Insurance for £5 a month, it’s My Life Insured. As one of UKs highly regarded independent adviser’s we promise you honest, unbiased recommendations and the best possible value, however much you spend. If £5 is your budget, that’s fine, but if a few pounds extra can make a big difference to your family’s financial well-being, we’ll let you know.

Properly set up, the pay-out from your Life Insurance is tax-free and goes directly to the people you choose. The £5 you spend on your life cover policy could be the wisest purchase you’ll ever make.

Call us on 0330 058 1105, and talk to an Adviser to find out how.

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