Life Insurance
Protect your family and your mortgage with the right life insurance policy, tailored to your circumstances.
FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
24hr Response
5★ Reviews
Life insurance pays out a lump sum or regular income if you die during the policy term. It's one of the most important financial products you can have, particularly if you have a mortgage, dependants or anyone who relies on your income. We search the whole market to find the right cover at the best price.
Types of Life Insurance
- Level term: fixed payout throughout the policy term, ideal for interest-only mortgages or family protection
- Decreasing term: payout reduces over time, designed to match a repayment mortgage balance
- Family income benefit: pays a regular tax-free income rather than a lump sum
- Joint life: covers two people under one policy, paying out on the first or second death
- Whole of life: guaranteed payout whenever you die, with no fixed term
Who Needs Life Insurance?
- Anyone with a mortgage, ensure it's repaid if you die
- Parents with dependent children
- Couples who rely on each other's income
- Business owners with loans or partners
- Anyone wanting to leave a financial legacy
Frequently Asked Questions
How much life insurance do I need?
This depends on your circumstances. Your mortgage balance, other debts, income, number of dependants and how long you want cover for. We'll calculate the right amount for you during your consultation.
Is life insurance expensive?
Life insurance is often cheaper than people expect. A healthy non-smoker in their 30s can typically get £250,000 of cover for under £10 per month. Premiums depend on age, health, smoking status and the amount of cover.
Do I need life insurance if I don't have a mortgage?
If anyone depends on your income (a partner, children or elderly parents), life insurance is still important. Family income benefit can replace your salary to maintain your family's lifestyle.
Can I get life insurance with a medical condition?
Yes. Many insurers offer cover for pre-existing conditions. Premiums may be higher or exclusions may apply, but we work with specialist underwriters to find the best terms.
Ready to Get Started?
Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.