Life Insurance

Ensure your family is financially protected if the worst happens. We search the whole market to find the right life insurance policy for your circumstances — at the best possible price.

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Types of life insurance

Level term

Pays a fixed lump sum if you die within the policy term. The payout amount stays the same throughout. Ideal for providing a specific amount — such as enough to clear debts and replace income for a set number of years.

Decreasing term

The payout reduces over the policy term, designed to mirror a repayment mortgage balance. The most affordable option when the primary purpose is to ensure your mortgage is repaid if you die.

Whole-of-life

Covers you for your entire life — there's no fixed term. It guarantees a payout whenever you die, making it useful for inheritance tax planning, funeral costs, or leaving a guaranteed legacy.

Protecting your family

If your family depends on your income, life insurance ensures they can maintain their lifestyle and meet financial commitments if you're no longer there. We help you consider:

Mortgage repayment — ensure your family can stay in the home
Income replacement — cover living expenses for the years your family needs
Children's futures — fund education and provide financial security until they're independent
Other debts — clear outstanding loans, credit cards, and other financial commitments
Funeral costs — avoid leaving your family with an unexpected expense during a difficult time

Frequently asked questions

How much life insurance do I need?

There's no single answer — it depends on your debts (particularly your mortgage), your family's living expenses, how many years of income you'd want to replace, and any other financial commitments. A common starting point is 10-15 times your annual income, but we'll calculate a figure specific to your situation.

What's the difference between level term and decreasing term?

Level term pays the same lump sum whenever you claim during the policy term. Decreasing term pays less as the term progresses — it's designed to mirror a repayment mortgage where the outstanding balance reduces over time. Decreasing term is cheaper because the potential payout reduces each year.

Do I need life insurance if I'm single?

If nobody depends on your income, life insurance is less critical. However, it can still be useful to cover debts, funeral costs, or leave a legacy. If you have a mortgage, your lender may require some form of life cover.

Can I get life insurance if I have a health condition?

In most cases, yes. Insurers assess each application individually, and many conditions can be covered — sometimes with modified terms or a higher premium. We search the whole market to find insurers most likely to offer favourable terms for your specific condition.

Should I put my life insurance in trust?

Usually, yes. Placing your policy in trust means the payout goes directly to your beneficiaries without going through probate. This means faster payment and the proceeds won't form part of your estate for inheritance tax purposes. Setting up a trust is free with most policies.

Protect the people who matter most

Book a free consultation and we'll help you find the right life insurance for your family's needs.

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Or call us: 0115 967 0888