Life Insurance

Life Insurance

Life Insurance

We can’t help you to protect your family against the emotional impact of your death, but we can help you to ensure that they would be able to cope financially.

What is life insurance for?

Life cover is there to enable you to protect those you love in the event of your death within the policy term. It can pay out a lump sum or a regular income to your family.  

What we do:

We carry out a full review for you to ensure that cover is tailored to your own personal and financial situation, giving you and yours the peace of mind of knowing that they are protected should the worst happen. Our aim is to make sure that your family will have the right cover to enable them to keep a roof over their heads and to maintain their lifestyles. Get a £75 Amazon.co.uk voucher when you take out a policy through us. See our voucher T & C’s for more detail.

Life insurance can help to:

  • Pay rent and bills

  • Repay a large debt such as a mortgage

  • Provide money for your family to protect their lifestyle

  • Pay for your funeral

  • Repay smaller debts such as loans, finance agreements and credit cards

  • Fund childcare, school fees or university costs

  • Replace lost child maintenance

‘We carry out a free full review for you to ensure that cover is tailored to your own personal and financial situation…’
I need advice
I want a quote
How much will it cost?

Cost depends on many factors such as your age, health and lifestyle and the amount of cover required. We can give you a tailored quotation to fit your budget.

I have some health problems, can I be insured?

Talk to us about your issues. We have specialist knowledge of the market and access to providers who can help in many tricky situations including, but not limited to diabetes, high BMI and history of cancer.

What is the difference between getting advice and getting a quote on your site?

A quote will give you an indication of the cost, however, that does not necessarily mean that the cover chosen is the most suitable. Our job is to advise you and help you to make an informed decision.

I have heard that insurers never pay out, is this true?

This is not true. The majority of claims are paid and we can provide you with full statistics from the insurers to prove this.

How much cover do I need?

This really depends on individual circumstances and budget. We will work with you to provide you with suitable cover within your budget.

Why use us?

We are unbiased, impartial and independent: Sourcing cover from leading insurers, often at a more competitive price than you would be able to get from a comparison site or even from an insurer direct.

No fees: Insurance providers pay us commission, which means that we do not charge you a fee.

We advise: We talk to you to ensure that you have the right cover for your own individual circumstances.

We listen: You tell us what you would want to happen to your family if you die or if you are ill.

We care: Our clients are not numbers to us, we genuinely care about what we do and about the advice which we provide.

Aftercare: If you or your family are ever unfortunate enough to need to claim, let us know and we will do what we can to help. 

You will be making a difference to others: Every year, we donate a proportion of our profits to support a carefully chosen charity.

I’m in rental property/don’t have a mortgage, do I still need life insurance?

Yes – absolutely!  If you or your family would struggle to pay the rent and bills in the event of illness or death, then you need cover.

If I need to make a claim will you help?

Yes, we are always happy to help. See out claims page.

I think I’m paying too much for my cover, can you find me something cheaper?

Maybe, especially if you took out insurance direct from a bank or building society. Or we may be able to build you better cover for the same price.  Either way, we will be more than happy to review your existing cover for you.

If I have insurance already can I change/make changes?

It depends on the terms of your plan as some plans are more flexible than others. Talk to us and we can look at this for you.

Do I need a Will as well as life insurance?

We would always recommend that you have an up to date Will in place.

What happens if my health changes after I’ve got a policy?

If your health deteriorates after you have already taken out a policy, an insurer can not cancel your cover. If you are concerned, talk to us.

Can I get a joint policy with my partner?

Yes, if that is appropriate. We will normally assess couples together so that you have exactly the right cover to protect both yourselves and each other.

If I get life insurance, critical illness cover and income protection will it all be with the same company?

Not necessarily. We use a range of leading insurers to put together a tailor-made solution for you from multiple sources so we may recommend one particular insurer or we may recommend a combination of insurers, depending on what is best for you.

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