life insurance
Peace of mind for you, a safety net for your family
Life insurance offers peace of mind for your loved ones. When the unexpected happens, it can provide a financial cushion for those who depend on you.
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Why choose us
Life's unpredictable, but your life insurance doesn't have to be. We'll find a policy that protects what matters most to you
Save Time
Don’t waste your valuable time researching life insurance plans and completing lengthy application forms. We’ll take care of it for you.
Save Money
We'll offer recommendations for your specific needs and circumstances. This ensures you're not paying for unnecessary coverage.
Get Exclusive Rates
By comparing plans from multiple insurance providers, we'll aim to find the right life insurance quotes to keep your family protected.
Protect your family's future
Do I need life insurance?
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. For example, it could pay off your mortgage or provide an income to go towards household expenditure.
Whole of Life Insurance in the UK is a type of life insurance policy that provides coverage for your entire life, or until the policy matures. This means that as long as you pay the premiums, your beneficiaries will receive a payout upon your death, regardless of when it occurs.
Key feature of whole of Life Insurance:
Guaranteed Payout: Unlike term life insurance, which has a set expiration date, whole of life insurance guarantees a payout to your beneficiaries, regardless of when you die.
This is the simplest type of life insurance. You choose how long you’re covered for, eg. 20 years (the term), and the policy pays out if you die within the agreed term.
There are several different types of policy:
— Level: The amount of cover and premiums remain the same
— Increasing: The amount of cover and premiums gradually rise in line with inflation
— Decreasing: The amount of cover will reduce over the policy term; this is often used in conjunction with a repayment mortgage, where the amount of the loan outstanding reduces each year
— Renewable: You can extend the original term of the policy
— Convertible: Lets you convert the policy to whole of life insurance
What it does
Life insurance is a financial contract that provides a lump sum payment to your beneficiaries (chosen family members or individuals) upon your death. This payment can help them cover expenses
Types of cover
There are different types of life insurance policies, including:
- Term life insurance:
- Whole life insurance:
- Universal life insurance:
It's important to consider your individual needs and circumstances when choosing a life insurance policy.
Quality vs cost
The old saying 'you get what you pay for' often holds true for life insurance policies. It might be tempting to go with the cheapest premium, but are you sure your insurer will be there when your family need them?
Who benefits
Life insurance can provide financial security for your dependents, such as your spouse, children, or parents, in the event of your untimely death. Knowing your loved ones are financially safe provides you peace of mind
Find life insurance
Knowing your loved ones are financially protected can provide you with peace of mind. Get the right life insurance cover today.
life insurance
Your peace of mind
While not mandatory to have life insurance, it's highly recommended to provide financial security for your loved ones, and peace of mind for you.
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Find life insurance Dealing with insurance can be time-consuming. An adviser can handle the paperwork and negotiations on your behalf.
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Simplify the process Let us handle the paperwork and life insurance policies, so you can focus on enjoying precious family time.
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Advice made for you: We'll assess your specific needs and recommend the most suitable life insurance options for your situation.
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Life insurance questions
Life insurance is a financial product that provides a death benefit to your beneficiaries upon your death.
The main types of life insurance are:
Term life insurance: Provides coverage for a specific period.
Whole life insurance: Provides coverage for your entire life.
Universal life insurance: Offers flexibility in premium payments and death benefits.
Variable life insurance: Combines life insurance with investment options.
Anyone who has dependents or financial obligations should consider life insurance. This includes people with families, mortgages, or outstanding debts.
This will depend on your own personal circumstances, but we can quickly help you calculate an appropriate level of
cover by considering things like:
— Your mortgage and/or any other outstanding loans
— Your current income and your household
— Any likely childcare needs if you or your partner were to die or suffer serious illness or injury
Clearly, the higher the level of cover you decide you need, the more it will cost. Your age, medical history and occupation
are among the other factors that will have an impact on cost.
However, most policies are extremely good value for money, and many people are surprised at how affordable putting cover in place can be.