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Protecting your family

If you have a mortgage, people who depend on your income, or you want to protect your lifestyle in the event of an accident or illness protection insurance could help you and your family avoid a financial disaster. It is difficult to think about the worst possible outcome, but sometimes it is necessary to ask difficult questions.

We’ll ensure you get the right life insurance policy in place. If you’d like to explore your specific life insurance options, or simply check if you have the right level of coverage in place, please feel free to schedule a free consultation. 30 seconds is all it takes to make a life-changing decision.

Why choose us

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Expert advice in 3 simple steps

Book a fee free call

Scheduling a meeting with an life insurance advisor takes less than 30 seconds, all from the comfort of your own home.

We'll call you back

One of our expert insurance advisors will call to discuss your personal circumstances to find you the right policy.

And guide you through

We will be there to help you every step of the way, with a friendly, knowledgeable life insurance advisor by your side.


Life insurance policies

Life insurance (sometimes known as life assurance) will pay out either a single lump sum (sum insured) or a regular income when you die. It can help provide financial security for people who depend on you, if the worst happens.

The purpose of life insurance is to ensure that your loved ones will be financially taken care of in the event of your death. It is imperative to consider several things when buying it, such as the type of policy you want, when you need it, and how to get it.

It is possible to choose a joint policy or a single policy. If you take out joint life insurance, the payout will be paid to the surviving policyholder, which is typically your spouse. The money from a single life insurance policy is paid to your estate.

Although no amount of money can replace a loved one, it can help those left behind to weather the financial storm left in your absence.

Nobody likes to imagine the worst happening, but sometimes the difficult
questions need to be considered. If you were to die, would your loved ones be able to maintain their current lifestyle without your income? If not, then a lump sum life assurance payment could be the answer, helping your family to continue living in the way they’re accustomed to at a very difficult time.

If you or your family were to come up against a situation that meant you would lose your regular income, a protection policy could really help.

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Applying for life insurance

It’s not just the type of protection insurance that’s important. You’ll want to know the likely cost, whether you need a trust document and how to make sure your cover stays appropriate for your circumstances.
  • What is an insurance advisor

    GHL Direct life insurance brokers are regulated financial advisors who specialize in general insurance. Their goal is to help you determine what type of insurance and level of coverage you need and recommend a policy that fits your budget. If your insurance needs are complex, their professional opinion can be invaluable.

  • How to apply for life insurance

    In less than 30 seconds, you can book a life insurance consultation with one of our advisors. Our goal is to make the process as simple as possible to get the right life insurance policy. Use our live booking form to choose the most convenient time and date for you, then elect life insurance as the product. A member of our team will call you back to talk through your options.

    If you’d like to explore the specific options for your circumstances, or simply check if you have the right level of cover in place, please don’t hesitate to get in touch, we’d love to help.

  • How much is life insurance

    There are a number of factors that affect the cost of your life insurance policy. However, most people believe that life insurance is a worthwhile investment. Your loved ones can be protected from financial ruin for just a few pence a day with a decent policy. The amount you pay each month depends on factors such as:

    – your age
    – your health
    – your lifestyle
    – whether you smoke
    – your family medical history
    – the length of the policy
    – your occupation – a high-risk job might push your premiums up.

  • What is covered

    It’s imperative to know what’s covered and what’s not. Insurance companies may define and exclude things differently (what is and isn’t covered). In the event you don’t understand something, you should ask the insurance provider or your GHL Direct insurance broker. You are responsible for knowing these details. Don’t wait until it’s too late to find out what medical conditions you are covered for, or more importantly what you are not covered for.

  • Your medical history

    While most claims are successful, it’s imperative to provide all the information your insurer requests. In the unfortunate event that you need to make a claim, they will check your medical history. It is possible that they might not pay out if you did not answer the application honestly or accurately, or if you did not disclose something.

  • Switching life insurance

    If you’re young and/or healthy, you might be able to find a better deal elsewhere. Nevertheless, if you are getting older or have health issues, you may be better off keeping the policy you bought at a young age. Make sure you don’t cancel your existing policy until the replacement policy is fully set up and your first payment has been made. It is not possible to change your mind after cancelling a policy.

  • Insurance comparison sites

    Your first port of call might be a comparison website when looking for general insurance policies, such as travel, home or car insurance. Although they can be useful for scanning the market quickly, they won’t always provide you with the most suitable insurance policy. A comparison website will offer you generic policies, so if you want insurance that meets your individual needs, you might be better off using a broker.

    It may be tempting simply to opt for the cheapest policy available. But it is important to bear in mind that whilst many products may look the same, there can be important differences between them that can be difficult to spot.

View our free guides for an easy to read introduction on the insurance services we offer.
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Working with you, for you.

Trusted life insurance support from recommendation to application and beyond. Once we identify the right product and assuming you’re happy with our recommendation, we’ll work with you to complete the application forms and stay in touch throughout the process – and into the future.

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