Protect what matters most — even when you’re not around
Life Insurance can provide a lump sum to your loved ones if you die during the policy term. It’s a simple way to help protect your family, your mortgage, and the plans you’ve worked hard for.
We compare cover from a panel of leading insurers
What is Life Insurance?
Life Insurance is designed to pay a lump sum if you die during the policy term. It helps your family keep going financially — whether that’s keeping the roof over their heads, paying off a mortgage, or simply giving them breathing room.
Lump sum payout
A single payment that can be used for mortgage costs, household bills, childcare, or anything else your family needs.
Often built around a mortgage
Many people arrange cover to reduce the risk of their loved ones struggling to keep the home if the worst happens.
Cover for a set term
You choose how long you want protection for — for example, until the mortgage ends, or until children are financially independent.
Who should consider Life Insurance?
Life Insurance is often arranged at key moments in life — when financial responsibilities increase or people rely on you.
Have children, a partner or loved ones who depend on your income.
Have a mortgage or significant debts that would pass to your family.
Want to leave a financial legacy or cover funeral and estate costs.
Are planning ahead and want to protect your family’s future lifestyle.
How does Life Insurance work?
Life Insurance is designed to be straightforward, but there are a few key decisions that shape how your cover works in practice.
Lump sum payout
If you die during the policy term, a tax-free lump sum is paid to your chosen beneficiaries to help support them financially.
Chosen policy term
You decide how long the cover lasts — often linked to a mortgage term or until children are financially independent.
Level or decreasing cover
Level cover stays the same throughout, while decreasing cover reduces over time and is commonly used with repayment mortgages.
Affordable monthly premiums
Premiums are usually fixed when the policy starts, making it easier to plan and budget long-term.
Terminal illness cover
Most policies include terminal illness cover, meaning the benefit may be paid early if you’re diagnosed with a qualifying condition.
Optional additional protection
Life Insurance can sometimes be combined with other cover, such as Critical Illness protection, for broader peace of mind.
Life Insurance FAQs
Life Insurance pays a tax-free lump sum if you pass away during the policy term. It’s designed to help protect your loved ones financially — whether that’s covering a mortgage, household costs, or longer-term family needs.
The amount of cover needed depends on your circumstances, such as your income, outstanding debts, mortgage balance, and whether anyone relies on you financially. This is something we’ll help you work through carefully.
Level cover stays the same throughout the policy term and is often used for family protection. Decreasing cover reduces over time and is commonly linked to repayment mortgages.
Many people arrange Life Insurance earlier because premiums are usually lower when you’re younger and in good health, and it ensures protection is in place before circumstances change.
Most UK Life Insurance policies include terminal illness cover, meaning the policy may pay out early if you’re diagnosed with a qualifying terminal illness. The exact definitions vary by insurer.
Helping Clients in Broadstairs, Thanet & Beyond
We’re proud to support clients across Kent—from Broadstairs, Margate and Ramsgate to Canterbury, Herne Bay and further afield. Wherever you are in your property or financial 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.
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