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Appointed Representative of The Right Mortgage Network (FCA No. 1004260). Company No. 15189091. Registered in England and Wales.
Protection · Life and health
Life Insurance
“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.
FCA regulated · leading UK insurers · 5 star reviews
Quick answer
Life insurance pays a lump sum if you die during the policy term. It’s most important if you have a mortgage, children, or anyone who relies on your income. The main thing to know is that premiums are based on your age and health when you apply, so cover taken out earlier is usually cheaper and stays that price for the whole term.
What it pays
A lump sum on death
Typical term
Matched to your mortgage or children
When to take it
As soon as others rely on you
Main thing to watch
Accurate disclosure at application
How life insurance works
You choose an amount of cover and a term, and pay a monthly premium. If you die during the term, the insurer pays the lump sum to your beneficiaries.
Most policies also pay early if you’re diagnosed with a terminal illness and expected to live less than 12 months.
Writing the policy in trust means the money goes straight to the people you choose, without waiting for probate, and usually outside your estate for inheritance tax.
Single, joint and writing it in trust
A joint policy pays out once, on the first death. Two single policies cost a little more but can pay out twice, which often suits couples with children.
Putting your policy in trust is usually free and takes minutes. We’ll help you choose trustees and beneficiaries.
Eligibility and what insurers assess
Who may qualify
Most UK residents aged roughly 18 to 70 at the start of cover.
Health and medical history
Current conditions, past treatment and family history.
Lifestyle
Smoking, alcohol, height and weight, and hazardous hobbies.
Occupation
Most jobs are fine; some manual or high risk roles affect price.
Amount of cover
Larger amounts may need medical evidence.
Common reasons for higher premiums or exclusions
Undeclared conditions, smoking, or recent treatment.
What happens from first call to completion
1
Understand what you need to protect
We look at your mortgage, income, family and existing cover, including anything through work.
2
Work out the right amount and term
We size the cover to your debts and plans, so you’re not over or under insured.
3
Compare insurers on cover, not just price
Definitions and exclusions vary. We compare the policy wording as well as the premium.
4
Complete the application accurately
We help you answer the health and lifestyle questions fully, because that’s what makes a claim pay.
5
Handle underwriting
If the insurer needs GP reports or more information, we chase it and keep you updated.
6
Put cover in place and in trust
Once accepted we set the start date and, where it applies, help you write the policy in trust.
Costs, risks and when it may not be suitable
Being upfront about this is part of doing it properly.
What affects the cost
- Your age and health when you apply
- Smoking and lifestyle
- The amount and length of cover
- Guaranteed or reviewable premiums
- Optional extras such as indexation or waiver of premium
Risks to weigh up
- Non disclosure can mean a claim is declined
- Decreasing cover may fall short if you add to your mortgage
- Insurers can refuse a claim if information given at application was inaccurate or incomplete
When it may not be suitable
- If nobody depends on your income and you have no debts, you may not need it yet
- Whole of life can be expensive if you only need cover for a set period
What you will need
The exact list depends on the insurer, but this is what to start gathering.
Photo ID and proof of address
GP name and address
Details of any medical conditions
Mortgage balance and term
Who you want to benefit
How MBNM helps
- Work out how much cover you actually need and for how long
- Compare leading UK insurers on definitions, not just price
- Help you disclose your health and lifestyle properly so claims pay
- Explain premiums, trade offs and exclusions in plain English
- Handle underwriting and chase medical evidence
- Set up trusts where they apply and review cover when life changes
What it costs
Your first chat is free. If we can help, we will explain any fees before you decide whether to proceed. There are no hidden fees, and we will not move forward until you have agreed them.
Life Insurance FAQs
How much life insurance do I need?
Does it matter when I take it out?
What if I have a pre existing condition?
Can I put the policy in trust?
Is life cover through work enough?
Can I have more than one policy?
Want to know what cover would cost?
We’ll work out the right amount and term, then compare leading insurers so you see real prices.
Your first conversation is free and there's no obligation. If we can help, we'll explain any fees before you decide whether to go ahead.
Cover is subject to the insurer's terms, underwriting and exclusions.