Life insurance is a policy that provides a lump-sum payment to your chosen beneficiaries if you pass away during the term of the policy. It helps protect your loved ones financially and ensures your responsibilities — like a mortgage, debts, or family needs — are covered in your absence.
Yes. Life insurance is often more affordable when you’re young and healthy, locking in lower premiums for the duration of the policy. Plus, unexpected events can happen at any age — life insurance provides peace of mind and future protection for your loved ones.
It depends on your circumstances. A common rule of thumb is 10–15 times your annual income. You should also consider debts (like a mortgage), family living expenses, education costs, and funeral expenses. A financial adviser can help calculate a personalized amount.
Term Life covers you for a fixed period (e.g., 20 or 30 years) and only pays out if you pass away during that time.
Whole of Life covers you permanently and guarantees a payout, but usually comes with higher premiums.
Answer a few simple questions online or with an adviser
Pick a cover type, term length, and payout amount
Underwriting may include health checks or interviews
Pay monthly premiums and rest easy knowing your family is protected
Excellent service. Louise Stevens has managed several mortgages for us over the last two years and in spite of our complicated situation we’ve always been confident in achieving the end result. Charlotte has also been great at keeping us updated and we wouldn’t hesitate to return when we are back in the market for a move.
jhon doe, UK
Excellent service. Louise Stevens has managed several mortgages for us over the last two years and in spite of our complicated situation we’ve always been confident in achieving the end result. Charlotte has also been great at keeping us updated and we wouldn’t hesitate to return when we are back in the market for a move.
jhon doe, UK
Excellent service. Louise Stevens has managed several mortgages for us over the last two years and in spite of our complicated situation we’ve always been confident in achieving the end result. Charlotte has also been great at keeping us updated and we wouldn’t hesitate to return when we are back in the market for a move.
jhon doe, UK
Excellent service. Louise Stevens has managed several mortgages for us over the last two years and in spite of our complicated situation we’ve always been confident in achieving the end result. Charlotte has also been great at keeping us updated and we wouldn’t hesitate to return when we are back in the market for a move.
jhon doe, UK