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How much does it cost?
The cost of a plan depends on:--
- Width of cover
- How much you want to receive.
- If any benefits are income rather than cash, for how long the benefit is paid
- Extra options bought
Then there are factors personal to you, which affect price
- Age- premiums can rise with age
- Sex - women tend to pay more
- Occupation; a manual job will be more of a risk than an office or shop worker
- Activity –what activities you do
- Health history ;of you, and sometimes of your family too
- How many people are covered
Not all insurers have the same views on the above factors.
Although there are sex discrimination laws, these do not apply to insurance pricing.
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