Life Insurance

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How muchLife Insurancedo I need?

Our number one priority is helping individuals and families find life insurance cover that provides adequate protection at an affordable price.

If you are thinking about purchasing life insurance, Rosey Futures can help. Our number one priority is helping individuals and families find life insurance cover that provides adequate protection at an affordable price.

Protecting Your Family

Life insurance is more than just a way to pay for your final expenses when you die. It is a way for you to protect your family against significant financial loss in the event of your untimely passing. Life insurance is very important for:

  • Parents – Any parents with young children still living at home should consider life insurance that will, at the very least, temporarily replace lost income. The hardships of not having insurance could be very stressful on surviving children.
  • Middle-Aged Individuals – Middle-aged individuals may no longer have young children to take care of, but they will have final expenses that need to be paid when they die. It is better to purchase life insurance now than saddle survivors with those debts.
  • Seniors - Seniors without life insurance are risking financial damage to their survivors by not having life insurance. If you are getting up there in years, please consider the policy to protect your family.

Rosey Futures can help you find term life insurance and whole-of-life. As you may know, term life insurance is a 'temporary' insurance product that it is only in force for a specified amount of time. Should a policyholder outlive the term, both the policy and benefit expire.

Whole-of-life is a permanent insurance policy in that it remains in force for the entire life of the policyholder. Monthly premiums for whole-of-life are more expensive, but an added benefit of this kind of insurance is that it can be used for investment purposes. Wise investments through a whole-of-life can provide a bigger payout at the time of death.

We invite you to use the tools made available here on our website to find and purchase life insurance. Remember, life insurance is not really a luxury. It is a necessary part of protecting your survivors against financial loss when you eventually pass on.

You belong to a community that begins with your immediate family and expands outward.

You belong to a community that begins with your immediate family and expands outward. As such, it is important to realise that your eventual death will not affect just you. It will affect your surviving family members, your friends, and all those who knew you.

Rosey Futures knows how important the idea of community is in modern times. You belong to at least one community, and maybe more than one in some cases. However, did you know that the insurance industry is also a community of sorts? It is. The life insurance community is made up of insurance agents, brokers, underwriters, and retail insurance companies. Each member of the community has a certain role to play in protecting consumers.

Individual Members

The life insurance community starts with customers just like you. Each of the customers purchasing from a single company provides his or her share of the premium payments necessary for that company to pay out claims. Insurance companies invest premium payments in order to generate enough cash to meet financial obligations.

Next in the life insurance community are agents and brokers. Their job is to represent various insurance companies in order to provide customers the right kinds of policies. Some agents and brokers are employed directly by insurance companies; others are independent and able to represent multiple companies.

An underwriter is an individual whose job is to evaluate the risk associated with any insurance policy. It is the underwriter's responsibility to determine how much to charge an individual customer for life insurance cover based on how much risk he or she poses to the insurance company.

Lastly is the insurance company – the institution that actually sells the policy to the consumer. The insurance company collects premiums, takes care of billing, handles policy documents and claims, etc. It is possible for you to buy directly from some insurance companies without going through an agent or broker.

As you can see, there are many people involved in providing life insurance to consumers. Here at Rosey Futures, we act as a connection point of sorts, helping you find good insurance companies offering policies in your area. We also strive to continually provide relevant information that our visitors will find useful in their insurance search.

Why do we do what we do? Because we believe that life insurance is an essential part of protecting your family in the event of your death. Far too many Britons do not have adequate life insurance, if any at all. We want to help change that. By providing relevant information and insurance quotes, we hope to make life insurance accessible to as many consumers as possible.

“If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.” –Financial advisor, author, and TV personality Suze Orman

By now, you have probably realised how strongly we feel about life insurance. A life insurance policy represents your opportunity to leave a financial gift to your survivors upon your death. The money you leave can be used to pay your final expenses, replace lost income, or settle any outstanding debts.

In addition to understanding how important life insurance is, we also want you to know that not every life insurance policy is equally beneficial. Different companies offer different kinds of policies that may, or may not, be ideal in your situation. This means you have to be willing to shop around.

Tips for Buying Insurance

We would never say there is a perfect insurance policy that is right for everyone. However, some policies are better than others are. Here are a few helpful tips to get you started in your search for life insurance:

  1. Know what you need. The first step in purchasing life insurance is to assess your needs. You need to consider why you are purchasing, how much money you will need to accomplish your goals, and how much money you are willing to spend to get the right cover. A certified financial advisor can help you in this regard.
  2. Compare multiple policies. You comparison shop for large items like cars and houses, right? You should to the same for your life insurance. Do not be afraid to compare multiple quotes and policies side-by-side. You should compare things such as monthly premiums, deductibles, payouts, and potential exclusions.
  3. Talk things over with family. We cannot emphasise enough the need for you to talk things over with your family prior to purchasing insurance. Not only do they need to know you intend to buy a policy, you also need to know what their expectations of the future are.
  4. Ask many questions. Our last tip is that you ask many questions before you buy. Answering your questions is one of the primary functions of the agent, broker, or insurance company representative. Do not ever buy a policy until you know for sure all of your questions have been answered satisfactorily.

A life insurance policy that meets your needs without breaking your budget is a policy you can live with. Rosey Futures is here to help you get the insurance you need by offering you relevant information and free quotes. You can obtain your quote online or call and speak directly with one of our representatives.

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Rosey Futures Limited is an Appointed Representative of Independent Financial Advisor Ltd which is authorised and regulated by the Financial Conduct Authority. Firm reference number: 624929. You may check this on the Financial Services Register by visiting the FCA website. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at Rosey Futures Limited is registered in England and Wales No. 9039811. Registered Office: Investment House, Bolton Road, Bradshaw, Bolton, BL2 3EU.

The information contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.