Decreasing Term

Cover that reduces over time in line with your mortgage balance. The most cost-effective option when the primary aim is mortgage protection.

Level Term

Cover that stays the same throughout the policy term. Ideal for protecting your family's income, school fees, or wider financial security.

Whole of Life

Cover that has no fixed end date and guarantees a payout whenever you die. Often used for inheritance tax planning rather than mortgage cover.

Family income benefit

Pays a monthly tax-free income to your family rather than a lump sum, for the remainder of the policy term. Often cheaper than equivalent level cover.

A short call to understand your income, mortgage, family situation, and what genuinely needs protecting.

We compare policies across every major UK insurer to find the right cover at the right price.

We handle the application, any underwriting questions, and the medical disclosures on your behalf.

Your policy is in place. We review it every year so it keeps pace with your changing situation.

Do I really need life insurance?

If anyone depends on your income (a partner, children, or ageing parents), then yes. Life insurance ensures they are financially protected if you are no longer there. If no one depends on you, the case is weaker, but life cover can still serve specific purposes like funeral costs or leaving a legacy.

WHow much cover do I need?

It depends on your circumstances, not a rule of thumb. We typically assess outstanding mortgage debt, dependants' financial needs, and any other liabilities like debts or school fees. The right figure for you is unique. We calculate it on the first call.

What is the difference between level and decreasing cover?

Level cover stays the same throughout the policy term. Decreasing cover reduces over time in line with your mortgage balance. Decreasing is cheaper but only suitable for mortgage protection. Level is the better option if your aim is to leave your family a fixed amount.

Can I get life insurance with a pre-existing condition?

Yes in most cases. Some conditions may attract a higher premium or be excluded, but we work with specialist insurers who consider a wide range of health histories.

Do I need life insurance if I have no dependants?

Not necessarily for family protection. However life insurance can still be useful for covering funeral costs, paying off debts you leave behind, or leaving a legacy. We advise based on your specific circumstances.

Do I need life insurance if I have no dependants?

Not necessarily for family protection. However life insurance can still be useful for covering funeral costs, paying off debts you leave behind, or leaving a legacy. We advise based on your specific circumstances.

What is writing a policy in trust?

Writing your policy in trust means the payout goes directly to your chosen beneficiaries without going through your estate. This avoids probate delays (often several months) and potential inheritance tax. We guide you through the process.

Should we take a joint life or two single policies?

Two single policies cost slightly more but pay out twice (once on each death). A joint life policy is cheaper but pays out only once and then ends. For most couples, two single policies offer significantly better protection.