Life cover.
Peace of mind for the people you love.
If the worst happened, would your family be okay financially? Life cover can make sure the answer is yes.
What is life cover?
Life cover — often called life insurance or life assurance — pays out money to your loved ones if you die during the policy term. It can help clear a mortgage, replace your income, cover childcare and everyday costs, or leave a legacy.
There are several types of policy, and the right one depends on what you want to protect and for how long. That's where good advice makes a real difference.
How life cover can help.
Features vary between insurers. We'll explain exactly what each option includes.
Level term
A fixed amount of cover for a set period — popular for protecting family living costs and interest-only mortgages.
Decreasing term
Cover that reduces over time, broadly in line with a repayment mortgage, often at a lower cost.
Family income benefit
Pays a regular tax-free income to your family for the rest of the policy term, rather than a single lump sum.
Whole of life
Cover that lasts for the rest of your life, often used as part of estate and legacy planning.
Joint or single
Cover one person or two people on the same policy — we'll explain the pros and cons of each.
Writing in trust
Placing a policy in trust may help the payout reach the right people faster and could help with inheritance tax planning.
Who it's for.
- Parents with children who depend on them
- Couples buying a home together
- Anyone with debts they wouldn't want to leave behind
- People planning for inheritance or leaving a legacy
Things to consider
- Your premium is usually based on age, health, lifestyle and the amount and length of cover.
- Cover can often be added to with critical illness cover.
- Reviewing your cover after life events — a new baby, new home or new job — keeps it working for you.
That's exactly why advice matters — we'll talk you through the detail.
Get a personalised life cover quote
Free, no-obligation and tailored to your circumstances.
Getting covered is easy.
Getting the right protection shouldn't be complicated. Here's how we help.
Talk to us
Tell us about you, your family or your business in a free, relaxed conversation — by phone, video or in person.
Get a clear recommendation
We research the options and explain what we recommend, why, and what it costs — in plain English.
Cover in place, and beyond
We handle the paperwork, keep your cover under review and are here to support you if you ever need to claim.
Life Cover FAQs
How much life cover do I need?
A good starting point is your outstanding debts, plus enough to replace your income for a number of years and cover future costs such as childcare or education. We'll work out a figure that reflects your real situation.
Is life insurance expensive?
Often less than people expect, especially if you take it out while you're younger and in good health. The cost depends on factors like your age, health, smoking status and the amount of cover.
What does 'writing a policy in trust' mean?
It means the payout is held for your chosen beneficiaries rather than forming part of your estate. This may help avoid delays and could help with inheritance tax planning. We can guide you through the process.
Do I need life cover if I have death-in-service at work?
Death-in-service benefits are valuable but usually end if you leave that job, and may not be enough on their own. It's worth reviewing whether personal cover would fill any gap.
Let's talk about life cover.
Book a free, no-obligation consultation. We'll explain your options clearly and help you choose with confidence.
Free initial consultation · No obligation · Friendly, plain-English advice
The information on this page is for general guidance and isn't personal advice. All cover is subject to the insurer's terms, conditions, exclusions and underwriting. Tax treatment depends on individual circumstances and may change.