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Appointed Representative of The Right Mortgage Network (FCA No. 1004260). Company No. 15189091. Registered in England and Wales.
Life & Health
"It's not for you. It's for them."
Life insurance gives you peace of mind that the people you love will be looked after when you're gone. A policy pays out a lump sum on death, giving your family financial breathing room at the hardest time.
What is life insurance?
Life insurance pays out a lump sum when you die. That money can be used to pay off the mortgage, cover household bills, pay for childcare, or simply give your family time to grieve without financial pressure.
You pay a monthly premium, and the amount you pay depends on the level of cover you choose, your age, and your health. The sooner you put it in place, the cheaper it tends to be.
Policies can be level term (the payout stays the same), decreasing term (the payout reduces alongside your mortgage), or whole of life (no fixed end date).
Who needs this?
- You have children or dependants who rely on your income
- You have a mortgage or other significant debts
- You want to leave something behind for the people you love
- You're the main earner in your household
What's covered
The detail that matters
Covered
Death during the policy term pays out the full sum
Terminal illness diagnosis (less than 12 months to live) most policies pay out early
Joint or single policies available
Can be written in trust to avoid probate delays
Not covered
Death by suicide within the first 12–24 months (varies by insurer)
Death from undisclosed pre-existing conditions
No cash value it's not a savings product
Common questions
Things people ask us
How much life insurance do I need?
Does it matter when I take it out?
Can I put the policy in trust?
What if I have a pre-existing condition?
Ready to get started?
Book a free, no-obligation appointment.
Straight advice, no jargon.
Straight advice, no jargon.
Also Consider
Products that work well alongside this
Fracture Cover
Fracture cover pays you a cash lump sum if you break a bone — no questions about lost earnings, no waiting to prove you can't work. It's fast, simple, and surprisingly affordable.
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Children's Critical Illness
Children's critical illness cover pays out a tax-free lump sum if your child is diagnosed with a serious illness. So that if the worst happens, money is the last thing on your mind.
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Home Insurance
Home insurance covers two things — the building itself and everything inside it. If you have a mortgage, buildings insurance isn't optional. Your lender will require it as a condition of the loan.
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