Insurance
Life Insurance
Life insurance gives you the peace of mind that your family will be financially secure if you are no longer around. We find the right level of cover — whether that is protecting your mortgage, your family's lifestyle, or leaving a legacy.
What would you primarily like the cover to protect?
Types of cover
Understanding your options
Level Term Assurance
Pays a fixed lump sum if you pass away during the policy term. Ideal if you want to leave a set amount for your family regardless of when you die.
Decreasing Term Assurance
The payout reduces over time, broadly in line with a repayment mortgage balance. Often cheaper and perfectly suited to covering a home loan.
Whole of Life
Unlike term insurance, whole of life cover has no end date — it pays out whenever you die, making it useful for inheritance tax planning.
Joint or Single
Couples can take out a joint policy that pays on first death, or separate policies that each pay out independently — we will help you choose the right structure.
Waiver of Premium
Keeps your policy active if you become unable to work due to illness or injury — so your life cover does not lapse when you need it most.
Terminal Illness Benefit
Most policies include a free terminal illness benefit that pays out early if you are diagnosed with a terminal condition and given less than 12 months to live.
Related Protection
Combine life insurance with broader protection cover.
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