What is Life Insurance?
Life insurance is a type of policy that pays out a sum of money to your dependants if you die. Your partner, your children or anyone else who depends on you financially could be a dependant. The cost of life insurance will depend on several factors, such as your age, lifestyle and health.
Life insurance gives you peace of mind that any financial commitments you have – including your mortgage, childcare costs or funeral expenses – are taken care of when you’re not around.
Life Insurance plans are often combined with a Critical lllness plan, click below to find out more…
Benefits of Life Insurance

Pay off your mortgage
Leave a lump sum for your family to pay off the mortgage and other financial commitments, if you were to pass away.

Replace an income
Helps families cope with the financial pressure of losing the household’s main earner.

Clear outstanding debts
Gives you the peace of mind that any financial commitments you have will be taken care of if you are no longer around.

Meet funeral costs
Relieve financial worries and added stress from loved ones during a time of bereavement.

Pay for day-to-day living expenses
Help your family to maintain their lifestyle, making sure bills are paid.

Provide funding for the children’s education or leave as an inheritance
Ensure that you can provide a future for your children, should the worst happen to you.
Free Life Insurance Quote
Get the right advice, on the right product that suits you and your circumstances.
Let’s get started on your Life Insurance quote.
Which type of cover is right for me?
The level of life cover that’s right for you will depend on your personal circumstances…
- Term
- Other plans
The most common term plans are:
Level
Level-term insurance covers you for a period of time (the term) and the amount is a fixed lump sum of money which is left to your benefactors, if you pass away during the term of the policy.
Decreasing
Decreasing cover is a type of insurance plan that is often (but not always) bought to clear a specified debt such as a mortgage. The value of the sum of money insured decreases over the term of the policy, typically inline with the value of the debt.
Increasing
An ‘index linked option’ allows the policy benefit to increase on an annual basis. This helps to offset the effects of inflation. Most policies can be arranged to increase in line with the retail price index, or in the case of some insurers, by a specific percentage e.g. 8 per cent per annum.
Whole of Life
Whole of life insurance covers a person for their whole life. If your health deteriorates, your premium won’t be affected. However, these policies are often more expensive than others.
Over 50s
An Over-50s plan tends to offer a smaller payout to cover things such as funeral expenses, the amount you pay for your premium is guaranteed so it won’t go up or down.
Joint Cover
Joint life policies are often chosen by couples. You choose an amount of cover, which is paid out in the event that one of you passes away during the length of the policy. The surviving partner will then receive the sum of money. The policy will then end on pay out.
How would your family cope?
No one knows what’s going to happen in the future. But wouldn’t it be nice to know that you’re covered either way?

Tony S – Warehouse Manager
Tony is 42 years old and gave up smoking 6 months ago and moved over to vaping. He was looking for life insurance to repay his mortgage should he pass away. Tony had experienced problems arranging life cover before, as had recently been diagnosed with the lung condition COPD and was vaping. After much research and speaking to underwriters at several providers, we were able to arrange an affordable decreasing term life policy that meant that Tony’s mortgage was covered should the worst happen to him.

Suzanne R – Copywriter
Suzanne was looking for life insurance to ensure her family’s financial security, by leaving them a lump sum should she pass away. Suzanne was married and had two teenage children. She had a family history of Motor Neurone disease, although she did not suffer from it herself. She contacted us to find cover, as she had tried previously with other brokers and been unsuccessful. We were able to find a provider who had changed their stance on underwriting ‘family history’ conditions and we were able to offer Suzanne the cover she needed with standard terms.

Celine G – Team Leader
Celine had recently purchased a new house with her husband and contacted us looking for life insurance to cover the balance of the mortgage. During our conversations with her we also discussed the need for Critical Illness cover. As part of the application, we conducted a health and lifestyle questionnaire with Celine, where she disclosed she had recently suffered a suspected transient ischemic attack (similar symptoms to a stroke). After much research and discussion with several providers we were able to offer the full cover she had requested, including the critical illness cover.
What factors affect the cost of life insurance?
The cost will vary depending on factors such as your age, health, occupation, whether you smoke, length of the term and whether you choose add-ons such as critical illness cover. Our advisers are on hand to discuss your options to ensure you find a policy that will exactly suit your needs.

Your health

Your age

Whether you smoke or not

The amount of cover you want
