LIfe Insurance

Protect your legacy from just £5 per month.

Plan ahead and ensure your family are financially protected when they need it most.

Make sure your family are taken care of when you’re no longer around. Life insurance cover will pay out up to £1 million to protect your family after you’re gone.

Many life insurance covers also include terminal illness. In the case of an illness leading to death within the next 12 months, you may be able to receive the pay out sooner to enjoy whatever time you have left however you see fit.

You decide how the money is paid out. Use it to cover specific payments or leave it to your family in a lump sum.
Pay off debts left behind, such mortgages, loans, credit card debts, etc.
Provide your family additional financial security when they need it most.

Do I really need life insurance?
As a general rule, life insurance may be necessary if there are people in your life who depend on you for financial support, such as a spouse, children, or aging parents. Having a life insurance policy is also highly recommended if you have any existing debts such as a mortgage, as it will pay out a lump sum to help your family cover these costs when you’re no longer around to do so.
How much does life insurance cost?
The cost of your life insurance policy depends on a number of different factors, including your age, overall health, and general lifestyle. Policies start from just £5 per month, we will provide you with a comprehensive market review from our leading insurers to ensure you’re getting the most competitive quote for your needs.
Can you get life insurance with a pre-existing condition?
Having a pre-existing condition won’t necessarily prevent you from getting cover. Insurers will ask you a list of medical questions to assess risk. Depending on how serious the condition is, there’s a chance you may be declined the cover or offered cover with a higher premium. If you suffer from a pre-existing condition, it’s important to speak to an expert who can help guide you and provide tailored advice.
What is a beneficiary?
A beneficiary is the named recipient, person or entity that stands to receive the pay out or lump sum when you pass. Your beneficiary can be a family member, a friend, or even a business or charity.
How much life insurance do I need?
The amount of cover you need will depend on your personal circumstances. You may want to consider how much money your family would need to cover expenses such as the rent or mortgage, education, debts or day-to-day living costs. Our insurance brokers can help you calculate these costs and give you personalised advice if you’re unsure.
Can I increase my cover?
Contact us to discuss your options for increasing your cover with our life insurance specialists. Alternatively, depending on how you bought your cover, you can contact your financial adviser to assist you.
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