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Yet another render of the next iPhone is doing the rounds today, based on what we think we know about Apple's next handset.

Worked up by Giorgi Tedoradze and highlighted by Phones Review, the concept handset sticks fairly closely to the iPhone 5 template in the design stakes with just a tiny suggestion of HTC's unibody dream, the HTC One.

However, in place of the four-inch screen that features on Apple's current-gen kit, there's a 4.5-inch Retina display that means the handset veers into phablet territory.

To make space for the larger display, which has been rumoured for some time among tech-watchers, there's also a thinner bezel around the screen.

Under the bonnet, the slimmer phone (dimensions are 130mm x 60mm x 7mm) is home to a 12-megapixel iSight camera, with a more powerful A7 processor to keep things ticking over.

As purported component leaks in recent weeks appear to indicate, Tedoradze imagines the iPhone 6 coming in a host of colour options, including white, black, grey, black, blue, purple, red, yellow, green and brown.

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Life insurance (also known as life assurance) can protect your family in the event of your death and pays a lump sum within the length of the policy, say 20 or 25 years, or until retirement. There are two types of life insurance policy – level term and decreasing term insurance.

Level term life insurance pays out the same amount throughout the length of the policy. With decreasing term life insurance the amount the policy will pay out on death reduces in line with a mortgage. This means that decreasing term policies offer cheaper life insurance than level term policies, but the amount they pay out reduces over time.

A couple can choose to buy a joint life insurance policy or two separate policies. Although a joint policy will be cheaper than two single policies, in the event of one partner dying, a joint policy will pay out and the policy will end. With two separate policies the remaining partner will still be covered.

Smokers will pay more for life insurance than non-smokers. If you smoke you could save money on life insurance by giving up. Normally, you will be eligible for a cheaper life insurance policy once you have stopped smoking for a year.

The older you are the more you will have to pay for life insurance. As premiums are normally fixed for the length of the policy, you should take it out sooner rather than later to get the cheapest price.

Like all insurance you can find cheap life insurance quotes by shopping around. You must disclose your medical history fully, if you don’t you risk having limited or no cover. Make sure you buy from a regulated company and read the terms and conditions and keyfacts documents.

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The next iPhone from Apple will be a substantially improved beast than its predecessors, industry chatter suggests.

According to Ming-Chi Kuo of KGI Securities, the seventh-generation iPhone will come with Apple’s new A7 quad core chipset with 2GB of RAM, making it twice as the iPhone 5. It will also reportedly feature a fingerprint sensor for “improving security and usability”.

A scanner will set beneath the home button and will provide users, particularly enterprise users, with a more robust alternative to the archaic pass-codes for accessing their handsets.

To further safeguard against prying eyes, the iPhone 5S is also expected to incorporate an image recognition feature that was spotted in one of Apple’s patent filings from earlier this year. This will randomly show users a photo of a contact when attempting to unlock the handset, which they will have to correctly identify using voice or a list of options on the screen.

Kuo further claims that the iPhone 5S will be home to the same eight-megapixel camera as the iPhone 5, but with an improved sensor and a smart flash that will automatically switch between a white or yellow flash depending on the light conditions.

Meanwhile, Topeka Capital’s Brian White has thrown in his weight behind rumours that the iPhone 5S will come in a range of colours, namely pink, yellow and blue in addition to the standard white and silver, and black and slate.

White also backed reports that Apple is readying a low-cost version of the iPhone, the so-called iPhone mini, which he says "will have a curved back casing made of coloured plastic and will be thicker than the iPhone 5."

The handset is mooted to come in a plastic polycarbonate chassis and recycle parts from older models to keep costs down. However, White forecasts it could still cost as much as $400 (£260) to purchase upfront.

News of the next iPhone comes hot on the heels of Apple's official unveiling of the latest iOS 7 operating system earlier this week.

The revamped platform has been almost entirely stripped of the cutesy, skeuomorphic look of previous iterations in favour of a simpler, flatter and cleaner user interface, along with true multitasking, a new 'Control Centre' that now lets you access key settings options from any screen you're on and numerous improvements to Siri to just name a few.

iOS 7 will be officially released this autumn and is hotly tipped to coincide with the launch of the iPhone 5S in August or September.