Life Insurance
What you need to know
Let’s start with understanding some of the basic terms and considerations so you can make an informed decision.
Life insurance is designed to pay out a cash lump sum upon death of the person insured.
Monthly premiums start from as little as £5. If you have a budget in mind we can tailor an insurance package for what you budget is and work with that so you know you are not paying any more than you want to.
It is about leaving your loved ones with enough money to survive if the worst should happen to you.
What is Life Insurance
Life insurance is designed to pay out a cash lump sum upon death of the person insured.
It is about leaving your loved ones with enough money to survive if the worst should happen to you.
There are Level and Decreasing policies. You can do single or joint policies and cover as much or as little as you want for whatever reason.
Monthly premiums start from as little as £5. If you have a budget in mind we can tailor an insurance package for what you budget is and work with that so you know you are not paying any more than you want to
96.9% of ALL life insurance claims were paid out in 2022*
*information obtained from an average of provider payouts publicised by the insurers themselves
It's worth having a chat!
We know it gets confusing!
That is exactly why we’re here to explain your options and how to make it work for you!
....so, in a nutshell...
What are some of the benefits of life insurance?
There are a whole range of benefits to reap from Life insurance.
Click below for more info!
Peace of mind
The money which pays out can give your family peace of mind as the money can be used for a number of things like paying off the mortgage, a holiday, funeral expenses or being able to pay the bills. They can use the money however they see fit.
Fixed premiums
The premiums can be fixed so they never change during the term of the policy.
Loss of earnings
The money could help compensate for loss of earnings for those you leave behind
Our role is to help you make an informed decision
You will undoubtedly have many more questions, so please feel comfortable enough to arrange a free, no-obligation chat!
Here are a few of the questions we regularly answer for those who are wondering if this is the correct choice.
It depends on what you are looking to protect. If you are looking to give your family a cash lump sum so they can pay off an Interest Only mortgage, continue to live and pay bills, send your child or children to private school, or for Inheritance Tax Liabilities then generally a Level Term Assurance maybe best.
No. Non-investment life insurance policies have no cash in value at any time.
Life insurance is designed to pay a cash lump sum to the family of the deceased person insured. It helps your loved ones financially upon your death. The money can be used for whatever the family needs to use it for like having an income if the deceased person is the main income earner in the household or for funeral expenses.
You must be over the age of 18 at the time of application. Ideally a UK resident
We have years of experience arranging and advising life insurances. We can help you find the cheapest and best policies for your circumstances.
It depends on what you are looking to protect. If you are looking to give your family a cash lump sum so they can pay off an Interest Only mortgage, continue to live and pay bills, send your child or children to private school, or for Inheritance Tax Liabilities then generally a Level Term Assurance maybe best.
No. Non-investment life insurance policies have no cash in value at any time.
Life insurance is designed to pay a cash lump sum to the family of the deceased person insured. It helps your loved ones financially upon your death. The money can be used for whatever the family needs to use it for like having an income if the deceased person is the main income earner in the household or for funeral expenses.
You must be over the age of 18 at the time of application. Ideally a UK resident
We have years of experience arranging and advising life insurances. We can help you find the cheapest and best policies for your circumstances.
