Protect Your Loved Ones
Life Insurance Made Simple
Life insurance provides financial protection for a set period and pays out a lump sum if you pass away during the term of the policy. It offers long term reassurance that your loved ones will receive support when it is needed most, helping with future expenses such as mortgage payments, living costs or family commitments. Because the cover is designed to run alongside your key responsibilities, it can form a dependable part of your financial planning and bring stability at a time when your family may face uncertainty.
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Frequently Asked Questions
Get quick, helpful answers to the most common insurance questions.
Life insurance provides cover for a set period of time and pays out a lump sum to your beneficiaries if you pass away during that time. This type of insurance is sometimes referred to as term life insurance.
That will depend on your personal choice and also your personal circumstances, family situation and your overall aims. Some people just want insurance to pay off the mortgage, others want to cover funeral costs or to leave an inheritance for their children, and some want a combination of the above. It’s best to talk to one of our advisers as they can discuss your situation and make sure you have the right cover to look after your loved ones.
Whether you need life insurance and how much life insurance you do need depends on your situation. You may want to pay off your mortgage or cover the costs of any funeral arrangements. If you have children or other dependents, you may want to leave them a financial legacy. It’s best to talk to one of our advisers as they can discuss your situation and make sure you get the right advice.
The cost of life insurance will depend on a range of factors, including the type of cover, the amount of cover, the length of the policy, your age, health, lifestyle and whether you smoke. In general, the higher the level of cover and the longer the policy term, the more you are likely to pay.
Because life insurance is individually underwritten, premiums are based on your own personal circumstances rather than a standard price. This means the cost can vary significantly from one person to another.
The right type of life insurance will depend on what you want the policy to do. For example, some people want a lump sum to help repay a mortgage, others want cover to protect their family for a set period, and some want cover that is intended to last for the whole of their life.
Common types of cover include term assurance, family income benefit and whole of life cover. The most suitable option will depend on your personal circumstances, your budget and whether you need the cover for a specific term or on a longer-term basis.