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Life Insurance is used to help financially support your family should the worst happen to you. It will pay out a lump sum of money to your family if you die - they can use this money for things like paying off the mortgage, paying for your funeral or just covering living costs for a while.
You can choose what type of cover you want, how long you want to be covered for, and how much you want - every policy is unique and is tailor-made to suit the customer.
One of our fully trained, FCA regulated Life Insurance Advisers will complete a thorough fact-find with you in order to fully understand your individual circumstances and needs before offering you a solution.
- Cover from just £5 per month
- Compare policies from the UK's leading insurers
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Get life insurance quotes from the UK's top insurers
Give yourself peace of mind by protecting your family or mortgage today
Family Protection
Life insurance is available either as a single or a joint policy. If you were to take a joint policy for you and your partner, normally the insurer would pay out when the first person dies.
Once the insurer has paid out the policy will finish, leaving the surviving partner uninsured.
The alternative is to take out two individual policies; this means you will both covered separately and the insurer will pay out for both deaths. Running two policies can be more expensive but most insurers will give you additional discounts to help.
Mortgage Protection
This plan is also commonly known as "Decreasing Term Assurance". Decreasing life cover means that the lump sum paid if you die within the specified term will reduce over the term of your plan.
If your decreasing life cover is set up to cover a repayment mortgage, this means that the amount of cover in your plan will reduce as the amount outstanding on your repayment mortgage reduces, however, there is no guarantee that the level of cover will match the outstanding debt upon a claim.
Critical Illness cover can also be combined with most life insurance policies.
THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
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