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By the time you reach your 30s, you might have climbed up the career ladder, walked down the aisle and maybe even had children. If this sounds like you, and you haven’t got round to taking out
life insurance yet, now could be a good time, especially if you have loved ones who depend on you.
Here are four reasons why your 30s could make the
cost of life insurance money wisely spent.
When you hit your 30s, settling down starts to sound like a good idea. We’re not talking about sporting your slippers in front of the TV, but you might well have bought a house or become reliant on two incomes. If the worst did happen, having life insurance in place would help your partner cope financially without you.
Being a parent is great fun, but also comes with great responsibility. Your little ones rely on you for everything. So it’s reassuring to know that if anything happened to you, your family would be able to carry on doing the things they enjoy.
Don’t forget the true value of a stay-at-home parent and how much childcare and housekeeping could cost if something happened to them. Having life insurance for mums and dad’s contribution to your family’s lifestyle makes a lot of sense.
Luckily for most of us, our 30s is a particularly great time of life. We’re still young, fit and healthy but also little wiser having experienced more of what life can throw our way, both good and bad.
Taking out life insurance while you’re in your prime might seem like an unnecessary expense. In reality, it could be money well spent. The younger and healthier you are when you apply the more likely you are to get a good deal.
You’ve been there, done that and got the T-shirt. But as you hit 30 you may not feel quite as invincible as you did. Like it or not, you’ve probably got grown up responsibilities and other people to think about. That’s why it’s a good time to insure yourself just in case life throws a curve ball your way.
Having life insurance can help you and those closest to you feel more prepared for whatever the future holds.
It’s not always easy to think about life insurance in your 30s. But when you have a home and loved ones to protect it can really pay to get it sorted sooner rather than later. Term life insurance, like
Family Life Insurance lets you decide how long you want cover for, and once it’s in place, you can get on with enjoying some of the best years of your life.
This article does not contain advice about which product is right for you. If you’re unsure and need advice, please visit
unbiased.co.uk to find an Independent Financial Adviser in your area. You may have to pay for the financial advice provided.
Have you found this interesting? Then you might like to read our
10 reasons to take out life insurance article, or work out how much cover you need with our
life insurance calculator.
SunLife offers a range of straightforward and affordable products including
over 50s life insurance, funeral plans, life insurance, pet insurance, ISAs and Will writing services.
Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.
Who are SunLife?
AXA Wealth Ltd trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. AXA Wealth Ltd is a company limited by shares and the registered office is at 1 Wythall Green Way, Wythall, Birmingham B47 6WG (registered in England, No. 01225468). AXA Wealth Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA Wealth Ltd is entered on the Financial Services Register (registration no. 119201).
AXA Wealth Services Ltd distributes financial products and services and trades as SunLife. AXA Wealth Services Ltd is a company limited by shares and the registered office is at 1 Wythall Green Way, Wythall, Birmingham B47 6WG (registered in England, no. 02238458). AXA Wealth Services Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 465753).
‘SunLife’ (comprising of the companies AXA Wealth Services Limited, AXA Wealth Limited and AXA Sun Life Direct Limited) has been acquired by Pearl Life Holdings Limited (and now forms part of the Phoenix Group -
www.thephoenixgroup.com). ‘AXA’ is a trademark that is owned by AXA SA and will be used for a short period under a licence granted by AXA SA to the Phoenix Group.
Pearl Life Holdings Limited is registered in England (4560778) at 1 Wythall Green Way, Wythall, Birmingham B47 6WG. As part of the Phoenix Group, AXA Wealth Limited will continue to be authorised by the Prudential Regulation Authority and regulated by Prudential Regulation Authority and Financial Conduct Authority. AXA Wealth Services Limited will continue to be regulated by the Financial Conduct Authority.
You can contact us by post at SunLife, PO Box 7054, Willenhall, WV1 9ZH or by phone on 0800 008 6060. As part of our commitment to quality service and security, calls may be recorded.
If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.
Who provides the Funeral Plans?
The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.
If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.
If you choose to pay for your funeral with a life insurance policy, the policy will be provided by AXA Wealth Ltd, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.
Who provides My Smarter (ISA)?
My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.
Who provides the Will writing services?
Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).
The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.
Who provides Family Life Insurance?
SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.
Who provides SunLife Pet Insurance
SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.
Who provides SunLife Home Insurance
SunLife Home Insurance is arranged and administered by One Insurance Solution which is a trading style of Brightside Insurance Services Ltd who is authorised and regulated by the Financial Conduct Authority (Firm reference No. 302216). Registered in England and Wales No 04137311. Registered Office: Brightside Park, Severn Bridge, Aust, Bristol, BS35 4BL. VAT no: 851 1469 32