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First time looking for a Life Insurance Expert and not sure where to start? Tell us about your project and we’ll send you a list of Life Insurance Experts to review. There’s no pressure to hire, so you can compare profiles, read previous reviews and ask for more information before you make your decision. 

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Life Insurance Companies near me

Get a quote from Life Insurance companies and protect your loved ones

No one knows what's around the corner, so it's always best to be prepared for the unexpected. Find Life Insurance Companies on Bark to give you and your loved ones peace of mind.

Life insurance is one of the most important things to have to protect your loved ones, providing financial security for your family if the worst happens.

What is Life Insurance?

Life insurance is a sum of money that is paid out to your beneficiaries (this is normally your spouse and children) when you die.

The idea is that the money will pay for any immediate expenses such as your mortgage, funeral and any legal fees. Some people also want to leave money for future expenses including their children’s education, wedding or even a deposit on a home.

Therefore, life insurance is completely flexible to whatever cover you’d like to provide on behalf of your children in case you aren’t there in person to help them with it.

Bark makes it easy to browse life insurance providers. Get detailed information about different insurance policies, read reviews, and request quotes - all from one place.

What types of Life Insurance are there?

Most people associate life insurance with whole life insurance, which is the type of insurance that offers a guaranteed payout when you die.

In reality, there are various types of life insurance that can offer temporary cover, or allow you to grow your life insurance payout alongside inflation.

Some of the most common life insurance types include:


  • Whole life insurance
  • Term life insurance
  • Decreasing term life insurance
  • Increasing term life insurance
  • Renewable term life insurance
  • Joint life insurance


P.S: The exact names for each insurance type may differ depending on where you are located, but the basic principles are the same.

Not sure which life insurance type is right for you? We’ll connect you with experienced life insurance experts who will be able to offer the best advice for you.

Term Life Insurance vs whole Life Insurance

Two of the most common life insurance policy types are term life insurance and whole life insurance.

Term life insurance means you will only pay for an agreed amount of time. If you die after this point, you will not receive a payout. Though, the benefit of term life insurance is that it tends to be far cheaper because it’s a ‘what if’ type of insurance. Term life insurance can offer cover while your mortgage is being paid off or until your youngest child reaches 18 as an example.

Whole life insurance will provide a guaranteed payment, regardless of when you die. As a result, this insurance type is more expensive because your loved ones will definitely be claiming from it. Some people use whole life insurance to leave a cash sum to their children or grandchildren, making it most popular with seniors.

Find Life Insurance experts near me

Bark has the best life insurance experts who are ready and waiting to help you set up your policy.

Choosing a life insurance policy is a big decision that shouldn’t be taken lightly. After all, it is there to protect your loved ones in case you die unexpectedly. It can also be given as a cash sum whenever you die, or even if you experience a critical illness in the future.

Nobody likes thinking about death, but it’s far better to prepare for the inevitable in advance by getting life insurance, rather than to leave your loved ones dealing with financial hardship on top of their grief.

For just a small monthly sum, you can ensure that whatever happens, your family can maintain their standard of living, without having to worry about the mortgage or anything else you’d like to take care of for them.

Whether you are looking for mortgage-only life insurance, whole life insurance or anything in between, we’ll connect you with the best local life insurance experts near you.

What are the benefits of Life Insurance?

Peace of mind has to be the biggest benefit of any insurance policy you take out, let alone life insurance.

We’d all like to think that nothing bad will ever happen to us, but the reality of life is that tomorrow is never guaranteed. So you need to consider what would happen if you weren’t there to financially provide for your family anymore, especially if they are still dependent on your income.

Life insurance only requires a small payment per month, in return for what is often a substantial sum of money if a claim ever had to be made. You can also choose life insurance that will give you a guaranteed cash sum at the end of your life, which may work out as a better financial decision if you want to avoid inheritance taxes.

Ultimately, life insurance is going to ensure that your family does not suffer financially when you die. At what is an incredibly difficult time following the loss of a loved one, removing any financial worries is something that you can eliminate completely if you take out life insurance.
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Bright Life

‘21 Certificate of Excellence

Bright Life provides expert Financial Advice and solutions for Mortgages, Equity Release and Protection. Offering a place where customers can rely on their specialist to help make complex financial decisions as easy as possible. We take pride in listening your needs and recommending suitable solutions that best fit you. We don’t push or persuade. Simply, we deliver the facts and information you need to make the decision. We offer a UK wide telephone service, providing Covid secure, fast, and effective communication. We always provide honest, expert advice to help you live your brightest life.

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What do you love most about your job?

Completion day! The day all the hard work, calls, chasing, paperwork and all the work we dedicate to every one of our customers pays off and our customer can take their first step of the rest of their journey.

What inspired you to start your own business?

My customers always loved my service. It is what separated me from the other advisors. I didn’t just “do the job”, I went above and beyond and listened to the feedback from my clients. However, the help I could offer was limited by the targets and objectives laid out by management.

Starting my own company enabled me to do it my way; providing an uncompromising service aided by the latest technological advancements to get my customers the right deals and advice.

Why should our clients choose you?

For us, it is not just about getting the best deals; it’s about how we get there too. We are not going to waste your time going through unnecessary questions and scenarios. We will give you comprehensive analysis of your needs and provide you with the best options to move forward. Our advice is free and without obligation.

We have the deals, experience and ability to get you the deals you want, as easy and fast as possible. Why would you not choose us?

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Life insurance takes into account your current age and health status, alongside what you want to be covered for and for how long. When your insurer receives all of this information, they can then calculate how much your monthly premiums would be so that you get your desired level of payout should your family ever need to claim. Alternatively, how much the guaranteed payout would be at the end of your life if choosing whole life insurance.

There’s no legal requirement to have life insurance. Though, some mortgage providers may refuse your application if you don’t have life insurance in place. You also need to consider the implications of not protecting your family financially, should they lose your income while still dependent on you.

If you also have no dependents and nobody you’d like to leave a lump sum to, then life insurance might not be right for you. As always, you should seek independent financial advice, seen as no two personal circumstances are the same.

To calculate how much life insurance you need, you will need to write down everything you want it to pay for. This may include your remaining mortgage, as well as ongoing expenses for your children or grandchildren.

All life insurance providers will suggest a figure based on the information you provide, so you’ll always be sure the payout is going to be enough.

Life insurance isn’t a strict requirement for those who have a mortgage but is strongly recommended. A mortgage is one of the biggest expenses anyone will face in their lifetime. If yours isn’t yet paid off, then your death could seriously impact your spouse or children’s ability to be able to make the payments.

Given mortgage only life insurance is one of the cheapest life insurance types there is, it couldn’t be easier to eliminate the possibility of your home being repossessed if you were to die before your mortgage was paid.

Take your time to do your research, and don’t assume the cheapest policy or incentives means you are getting the best deal. Luckily, you can find life insurance experts right here on Bark who will guide you every step of the way, so that your family is protected financially should the worst happen.

Reviews

4.98/5.00

based on 3,884 reviews

The average rating for Bark Life Insurance Experts is 4.98, based on 3,884 reviews.

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