Can you still buy
Asda Life Insurance

Supermarket brand such as ASDA or broker? Which is the best option for your life insurance needs?

When it comes to buying life insurance, you might be tempted to go for a supermarket brand like Asda, Tesco, or Sainsbury’s. After all, they’re familiar names that you trust and use for your everyday shopping. But the one thing that a supermarket can’t provide you with is the range of options that a broker, like The Insurance Surgery, can offer.

A broker can:

• Access a wide range of life insurance policies from different insurers, including policies not available to the general public
• Provide you with expert advice and guidance throughout the process of buying life insurance
• Help you compare different policies and features
• Explain the pros and cons of each option
• Answer your questions and concerns
• Assist you with the application and claims process

An insurance broker, like The Insurance Surgery, can help you find the right policy for you and your loved ones, at the right price, and with the right level of service.
That’s something that you couldn’t get with an ASDA life insurance policy!

Can you use a Blue Light discount with life insurance?

We know that customers were drawn to supermarket policies such as ASDA life insurance because they wanted to be able to take advantage of the blue light discount scheme.

The Blue Light discount service is a membership scheme that offers discounts to the emergency services, NHS, social care sector, and armed forces in the UK. The Blue Light Card is the physical card that members can use to access these discounts.

One of the categories that the Blue Light discount service covers is life insurance. This means that if you’re a member of the Blue Light community, you might be able to save money on your policy by using your Blue Light Card. Unfortunately, not all insurers accept the Blue Light Card, and the discounts may vary depending on the provider and the policy. It’s always best to compare quotes from different insurers and check the terms and conditions before buying a life insurance policy with your Blue Light Card.

The Insurance Surgery is happy to work with Blue Light Card holders to find you the right life insurance policy for your needs.

What to look for in a life insurance policy

Life insurance is a way of providing financial protection for your loved ones if you die. However, not all insurance plans are the same, and there’s plenty to consider before buying one. Here are some of the things that you should look out for in a life insurance policy:

The type of policy

There are different types of life insurance policy, like term life insurance and whole-of-life insurance. Each type has it owns pros and cons, depending on your needs.

For instance, term life insurance covers you for a fixed period of time. If you pass away within that term, your loved ones will receive a lump sum. If you outlive the policy term, you and your family will receive nothing.

Whole-of-life insurance, by comparison, covers you for your entire lifetime, as long as you continue to pay into your policy. When you die, your loved ones will receive a lump sum.

However, this type of life insurance policy is generally more expensive than insuring your life for a fixed term.

Make sure that the life insurance policy you buy meets your needs both now and in the future.

The amount of cover

The amount of cover is how much the policy will pay out to your loved ones if you die. The amount of cover you need depends on a range of factors, like your income, your debts, your expenses, and your dependents. You should consider how much money your family would need to maintain their lifestyle and pay off any debts after your death.

The length of the term

This is how long the policy covers you for. The length of the term you choose depends on your personal circumstances and goals. For instance, you might choose a term that matches the length of your mortgage, or until your children become financially independent. It can also be useful to consider how long you expect to live and work, and how your health and lifestyle may change over time.

The cost of premiums

How much will you pay to the insurer every month or year to keep the policy active? The cost of the premiums depends on various factors, such as the type of policy, length of cover, as well as your age, health, and job.

Exclusions and conditions

These are the terms and rules that determine whether the policy will or won’t pay out. For example, some policies may not pay out if you die from criminal activity or war. You should also check if the policy has any additional benefits or features that can enhance your cover, such as terminal illness benefit or critical illness cover.

How The Insurance Surgery can help with your life insurance needs

If you’re looking for life insurance, you might be tempted to use an online comparison website or a supermarket brand. But these options won’t always give you the best value, choice, or service. That’s why you should consider using a broker like The Insurance Surgery.

We don’t provide life insurance quotes online. Instead, we offer a personalised service over the phone, taking the time to get to know you, what cover you need, what protection you already have in place, and what your personal circumstances are. We then use our extensive range of insurance providers to find the best deal for you.

The Insurance Surgery has a proven track record of helping people who have been declined for life insurance elsewhere. We also have a price promise that means our quotes won’t be cheaper anywhere else. You can trust us to find the best policy at the best price.