Life Insurance
Help protect the people
who matter most.
Life insurance can provide a financial payment to your loved ones if
you die during the policy term. Whether you’re protecting your family,
helping cover a mortgage or providing financial security for the future,
we’ll help you compare the available options so you can decide what’s
right for you.
✔ Compare Life Insurance Options
✔ Simple, Straightforward Process
✔ Free Consultation
Life Insurance Essentials
❤️ Financial Security
Life Insurance is designed to provide a lump sum payment if you pass away during the policy term, helping to provide financial support for your loved ones.
👨👩👧 Family Protection
Many people arrange Life Insurance to help protect their family’s financial future, giving them greater security should the unexpected happen.
🏡 Mortgage Protection
Life Insurance can help repay some or all of an outstanding mortgage, reducing the financial burden on those you leave behind.
⚖️ Policy Options
There are different types of Life Insurance available, including Level and Decreasing cover, as well as single and joint policies. We’ll explain how these work so you can decide what best suits your circumstances.
Why Consider Life Insurance?
For many people, their home is their largest financial commitment.
Life Insurance can provide reassurance that, should the worst happen, your loved ones may receive a lump sum payment that could help with mortgage repayments, household expenses or future financial commitments.
Everyone’s circumstances are different, which is why it’s important to understand the options available before deciding what level of protection is appropriate for you.
Understanding Your Options
There isn’t a single type of Life Insurance that suits everyone.
Depending on your circumstances, you may wish to consider:
❤️ Level Life Insurance
Provides the same amount of cover throughout the policy term
📉 Decreasing Life Insurance
The amount of cover reduces over time and is commonly used alongside repayment mortgages.
👤 Single Life Insurance
Covers one individual and pays out if that insured person passes away during the policy term.
👥 Joint Life Insurance
Covers two people under one policy and usually pays out once following the first claim.
We’ll explain how the different types of cover work, answer your questions and help arrange cover if you decide it’s right for you.
Important Information
We do not provide regulated insurance advice.
We’ll explain the options available, provide clear information about the different types of cover and help arrange a policy if you decide to proceed, allowing you to make an informed decision based on your own circumstances.
What Can Affect the Cost?
The cost of Life Insurance varied depending on a number of factors
Your Age
Premiums generally increase as you get older.
Smoking Status
Smoking can significantly increase the cost of life insurance.
Health
Your medical history and current health may affect the premium, policy terms or acceptance.
Amount of Cover
The higher the amount of cover, the higher the premium is likely to be.
Amount of Cover
Longer policy terms generally result in higher overall premiums.
Lifestyle
Certain occupations, hobbies and lifestyle choices may influence the premium or policy terms offered.
Frequently Asked Questions
Thinking About Life Insurance?
Whether you’re arranging your first mortgage, moving home or reviewing your existing protection, we’ll help you understand the options available and arrange cover if you decide it’s right for you.
Explore Related Mortgage Guides
Many of our clients explore more than one mortgage option before deciding what’s right for them. Here are some related guides that may also be useful.