We think making decisions about life insurance should be easy - read our guidelines to choosing what's best for you.
'What's best for everyone else, might not be best for you', sounds like something our mothers might say. But, when it comes to life insurance she'd probably be right. The cheapest cover is not always the best, everyone has different needs for cover as well as different health and lifestyle factors to consider. You should, however, compare customer service ratings and credit ratings, they can give you comfort that your life insurance company will be there when you need them most.
When choosing the best life insurance for you, there are some questions you should ask of any insurance company (including us) so that you can be sure you know exactly what you're buying.
The most critical experience for you or your family is not when you buy the policy, but when you have to claim. It’s important to know you’re with a company with a good track record of paying claims.
Pinnacle Life has paid out on around 99%* of all life insurance claims and 100% of funeral insurance claims received since 1998. (* as at 14 August 2020)
It’s important to know not only what you are covered for, but also what you aren’t covered for.
At Pinnacle Life it’s slightly different for each type of policy. Click here for a summary by product.
Many insurance companies (including us) offer first year discounts. And as you get older your premiums typically do increase. So it’s important that you ask what your premiums are likely to be in the future, so that you can be sure you’re getting the best overall deal – not just a cheap price in the first year.
Pinnacle Life’s 5 year life cover premium estimate.
We try to make things as quick and easy as possible, from getting a quote to making a claim. It's important to us that you understand what you're buying and how it will help you when you need it most.
We regularly ask our customers what works and what doesn't. We were the first in the world to offer life insurance online, allowing you to buy when you want, without the hassle of filling in forms or making an appointment.
Because we keep things simple, it costs less to run our business, so we can offer you lower premiums. Keeping life insurance affordable and good value for money is one of our core values.