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Life Insurance
Give your loved ones financial security when it matters most. Cover your mortgage, bills, and everyday costs with a lump sum payout.
Why do you need life insurance?
Life insurance is about more than money. It’s about protecting the people you love and giving them security when they need it most.
Pay off your mortgage so your family can stay in their home
Provide financial security when income is lost
Cover funeral costs and ease unexpected expenses
Replace lost income so your loved ones can maintain their lifestyle
Give them peace of mind knowing they’ll be cared for
Be surprisingly affordable — protection that fits your life
Life insurance isn’t just about you. It’s about keeping your family safe, no matter what.
Types of Life Insurance
Level Term Life Insurance
Fixed payout amount throughout the term — ideal for protecting dependants and debts
Fixed monthly premiums
Guaranteed payout amount
Flexible term lengths
Can be a joint or single life policy
Decreasing Term Life Insurance
Payout reduces over time — designed to match a repayment mortgage
Lower premiums than level term
Matches the mortgage balance
Typically used for mortgage protection
Cost-effective solution
Family income benefit
Pays a regular income rather than a lump sum — helps with ongoing living costs
Monthly income for the family
Often more affordable
Tax-free payments
Flexible payment periods
Whole of Life Insurance
Covered for your entire lifetime — often used for inheritance tax planning
Lifetime cover
Guaranteed payout
Can include an investment element
Estate planning tool
How will we help?
We have a panel of over 15 leading UK insurers. Our experts will help you:
Understand your options
Choose the right type and level of cover
Get the best value for your needs
Apply quickly and easily on your behalf
Liaise with the insurer until you are covered
Life Insurance FAQs
What is life insurance?
Life insurance pays out a lump sum or regular income if you die during the policy term, helping your dependants stay financially secure.
What types are available?
Level term insurance – fixed cover for the full term. Decreasing term insurance – cover reduces over time, often linked to a mortgage. Family income benefit – pays a regular income instead of a lump sum
What types of protection insurance are available?
Main types include life insurance (pays out on death), critical illness cover (serious illness diagnosis), income protection (replaces income if unable to work), and ASU cover (short-term accident, sickness, unemployment).
Do I need life insurance for a mortgage?
No, it’s not compulsory. But it’s highly recommended to protect your family and home.
How much does life insurance cost?
Basic cover can start from £10–15/month for a healthy non-smoker. Costs depend on: Age, Health, Smoking status, Cover amount, Policy term. Example: A 30-year-old non-smoker might pay £15–20/month for £200,000 cover over 25 years.
When should I take out life insurance?
The younger you are, the cheaper it is. Many people take out cover when they: Get a mortgage, Have children, Take on significant financial commitments
Can life insurance be linked to a mortgage?
Yes, decreasing term life insurance is commonly used with repayment mortgages, as the cover falls in line with the outstanding mortgage balance.
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