Illness Cover

As with almost everything now, brokers can be found online. A quick search will show some great examples.

Try to find brokers with high coverage without a medical exam, quick online application processing, appropriate term lengths and long free look periods. Insurers who provide many insurance types are generally better options, and if you are over 60, you’ll need to find a provider that can cover you.

Some great examples to choose from are:

• Bestow – Don’t require an exam
• Ethos – Have guaranteed coverage
• Policygenius – Online broker
• Haven Life – Offer great term life insurance
• Ladder – Have very flexible coverage
• State Farm – Great satisfaction reviews and are very stable
• New York Life – Good whole life insurance
• Nationwide – If you already have other Nationwide insurance, can offer good deals
• Northwestern Mutual – Offer very customisable policies

You can also visit a local insurance agency. It is important to get good advice to understand what coverage you require before making a purchase.