Life Insurance

Protect what matters most—even when you're not around.

Life is unpredictable, but you can still provide financial security for your loved ones.

Life Insurance ensures your family receives a lump sum payment if you pass away during the policy term. It’s about peace of mind, knowing those who depend on you won’t be left financially vulnerable.

Equip Yourself with Financial Resilience

If you're ready to explore what a complete Protection Package may look like for you, let's chat.

Book your Protection Strategy Call here

Who Should Consider Life Insurance?

Life Insurance may be right for you if you:

Who Should Consider Life Insurance?

Life Insurance may be right for you if you:

Have children, a partner or loved ones who rely on your income

Have a mortgage or significant debts that would pass on to your family

Want to leave behind a financial legacy or cover funeral costs

Are planning for the future and want to protect your family's standard of living

How Does Life Insurance Work?

Lump Sum Payout

Your beneficiaries receive a tax-free lump sum if you die during the term of the policy.

Flexible Cover Options

Choose between level, decreasing (great for mortgages), or increasing cover to match your needs.

Affordable Monthly Premiums

Fixed monthly costs that fit your budget.

Tailored Term Lengths

Choose how long you want the cover to last e.g., until your children are grown, or your mortgage is repaid.

Add-Ons Available

You can often bolt on additional products such as Critical Illness Cover for broader protection.

What is Life Insurance?

It’s a financial safety net for your family, paying out a lump sum if you die while your policy is active. It’s commonly used to pay off a mortgage, cover household expenses or support your children’s future.

What’s the difference between Level and Decreasing cover?

Level cover pays a fixed lump sum. Decreasing cover reduces over time, often used alongside a repayment mortgage.

Do I need Life Insurance if I’m young and healthy?

Yes, getting cover early can lock in lower premiums and ensure your loved ones are protected, no matter what the future holds.

How much Life Insurance do I need?

It depends on your income, debts, number of dependants, and future goals. We can help you work it out and find a policy that fits.

Helping Mortgage Clients in Broadstairs, Thanet & Beyond

We’re proud to support homebuyers, movers, and landlords across Kent—from Broadstairs, Margate and Ramsgate to Canterbury, Herne Bay and further afield. Wherever you are in your property journey, we’re here to help.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.