Mortgage Protection
Ensure your family can stay in their home by covering the outstanding mortgage if you die. Life insurance pays out tax-free to clear your biggest balance at a time when stress runs high.
Life Insurance
Nothing can replace a loved one, but life insurance can protect the people who depend on you. We help you find the right cover to give your family security when they need it most.
Nothing can replace a loved one, but life insurance can protect the people who depend on you. We help you find the right cover to give your family security when they need it most.
Far from being a luxury, Protection Insurance should be considered essential, especially if you have a family or people that rely on your income.
This information is for guidance only and does not constitute financial advice.
Protecting the people you love
Life insurance gives your family financial security when they need it most. The tax-free payout can help them stay in their home, maintain their lifestyle, and focus on supporting each other rather than worrying about money. Most policies cost less than you’d expect – often just the price of a weekly shop.
Types of life insurance available:
- Term insurance for a specific period – typically 10 to 30 years
- Whole of life insurance that pays out whenever you die
- Family income benefit providing regular monthly payments instead of a lump sum
- Level term where the payout stays the same throughout the policy
- Decreasing term where the payout reduces over time, ideal for mortgage protection
- Joint life policies covering couples with one payout
Covers you for a specific period, usually 10–30 years. If you die during this time, your family receives the full payout. Most affordable option and ideal for protecting mortgages or providing income replacement while children are dependent.
Guarantees a payout whenever you die, as long as you keep paying premiums. More expensive than term insurance but provides lifelong protection and can help with inheritance planning.
Pays your family a regular monthly income instead of a lump sum. Often more affordable than traditional life insurance and helps families budget by replacing lost earnings with steady payments.
Level term pays the same amount throughout the policy, while decreasing term reduces over time to match a repayment mortgage. Your choice depends on what you’re protecting and your family’s future needs.
Common reasons for life insurance
Children’s Future
Protection funds for education, university costs, and helping your children get started in life. Many parents want to ensure opportunities continue regardless of what happens.
Income Replacement
Replace your earnings to help maintain your family’s lifestyle. Life insurance lets them avoid sudden and repeated new burdens through steady financial support.
Final Expenses and Peace of Mind
Cover funeral costs and any outstanding debts while providing your loved ones with key financial breathing room during a difficult time.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Testimonials
Trusted by families across the UK
We've helped hundreds of families find life insurance that gives them confidence their loved ones will be financially protected.
How can we help protect your family?
Tell us about your family's situation
We'll help you work out the right amount of cover and find a policy that fits your budget while protecting what matters most.