Life Insurance 

What is Life Insurance ?

Life cover can be a valuable asset to have if you have a mortgage or just want to provide a lump sum for your family to cover the costs of living should the worst happen. This acts as a financial safety net for when you may need it the most.

Types of Life Insurance


Level Term Cover
Covers you for a specific amount over a specific term based on your needs and circumstances. Cover value and premiums stay the same throughout the plan unless you decide to apply indexation to the cover.


Decreasing Term Cover
Covers you for a specific amount and term based on your current repayment mortgage or loan balance and remaining term. This policy will decrease in cover annually based on your mortgage/loan balance reducing.


Example of how Life Insurance can protect your family

Tim suffered a stroke at age 47 and sadly passed away a less than a year later. He had taken out a life insurance policy a few years prior for £500,000. His wife Lisa was a housewife and was dependent on her husband’s income. She made a claim and was able to pay off the outstanding mortgage of £200,000 and used the surplus of £300,000 was used to give her some financial security.

Things to Consider

  • Life cover will only pay out on the diagnosis of a terminal illness or on your death within the term to your beneficiaries.

  • This will not pay out on a critical illness such as a heart attack, stroke or cancer, or the loss of income due to an illness or injury.


  • ​Unique to other types of insurance in the market, Life Insurance can be taken out for the rest of your life depending on your budget and requirements. This is known as Whole of Life Cover.

How it Works

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A chance to meet the team to discuss your financial needs and goals

We carry out full market analysis to get you the best terms available

We will present the most suitable course of action to meet your objectives

We apply for your covers to ensure you are fully protected

We regularly review your cover to ensure it is still competitive







Frequently asked questions

How much life cover do I need?

The amount of life cover or “sum assured” you need will depend on your personal circumstances. For instance, if you are married with children and have a mortgage, you may want to take out enough cover for your mortgage. You may also consider taking out additional cover for your family to help cover the costs and expenses after you. Our advisers can recommend the correct amount of cover for you after reviewing your information.

How much will it cost me?

Premiums are dependent on your health & lifestyle circumstances, amount of cover & term applied for, your age at application and smoker status (which also includes personal usage of tobacco/nicotine products).

How old do I have to be to take out life cover?

You have to be 18 years old at a minimum to take out life cover in your name.

Can I also add my partner to my cover?

Yes, you can. Depending on your circumstances, we can recommend a joint life cover. Our advisers will discuss this option with you if it is relevant to your specific needs.

Will my premiums be fixed?

Yes, your premiums will be fixed (guaranteed) throughout the life of your plan.

Will my family have to pay tax on a life insurance claim pay out if I die?

Your life cover payout will go to your family after probate which can be time consuming and costly. Once they have received the payout, it will be counted as part of your estate and may be liable to Inheritance Tax (IHT). If this is placed into a Trust, it will not form as part of your estate.

What is a trust?

A trust, similar to a will, is a legal document which allows you to assign the proceeds of your plan to your trustees (people you trust) to distribute to your beneficiaries (people you want to benefit from your plan). It is very important to put life insurance plans into Trust so that any benefits paid out will not form part of the estate. This will avoid the lengthy process of probate and means that the benefits may not be subject to inheritance tax.
There are different types of trusts which our advisers will guide you through. This is a free service that we offer to all our clients.

Can I make changes to my trust at any time?

Depending on the type of trust you have, you can make changes at any time. For example, you can change your trustees or beneficiaries.

What exclusions will I have on my cover?

Generally, insurance companies will exclude claims based on suicide, drug related death or alcohol abuse. You should always consider the terms and conditions and key features which will be sent to you.

I’m interested, but what if I were to take out cover later instead?

You can opt to take out cover later however you will need to consider the following:
⦿ Premiums will increase based on your age at application.
⦿ May involve lengthier underwriting including medical investigations and GP Reports depending on the level of cover and age at application.
⦿ Changes in your health and lifestyle can increase your premiums or lead to a postponement or decline of cover if taken out at a later stage.

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Other Types of Cover Available

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Pay you a lump sum if you are diagnosed with a Critical Illness

Critical Illness Cover

Provides you with a monthly income if you are unable to work

Income Protection

Life Cover with no end date, covers your entire life

Whole of Life Cover

Covers the cost of private health, get diagnosed and treated sooner

Private Medical Insurance

Can be used to pay off your mortgage.

Mortgage Protection


Why Use Us?

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We provide free bespoke non-obligation quotes

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Whole of Market
We use all the providers in the market

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We give independent and unbiased advice

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We put your policy in trust
for free

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Speak to one of our Life Insurance specialists

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