Life Insurance Cover

Expert life insurance advice and comparison from the whole market

Trusted by thousands of customers
Independent, specialist advice

Life insurance at a glance

  • Pays out in the event of the insured person’s death.
  • Usually paid out in one lump sum.
  • Family Income Benefit cover pays an income to your family rather than lump sum.
  • Choose whether the pay-out amount decreases or stays level over the term of the policy.

Why get life insurance?

  • Protect your family's lifestyle and cover everyday expenses after you're gone.
  • Protect against debts to keep your family in their home and maintain the life you built together.
  • Ease the financial burden on loved ones at a difficult time.
  • Support your children with funding for childcare and education.

What cover do I need?

Arranging your own life insurance can be a minefield. With so many insurers out there, all offering varying levels of cover, with different terms, it can be difficult to understand whether you’re actually getting the cover you need. All too often, we see people fooled by a headline-grabbing price on a comparison site, only to discover that the cover isn’t what they thought it would be - or what they really needed. Our service offers expert, independent advice and guidance from qualified specialists, completely free of charge, so you can be confident you’ve got the right cover in place.

Our expert says...

"Life insurance is about making sure the people you care about are financially protected if you’re no longer there to provide for them. At what would already be a very difficult time, it removes the worry around mortgage payments, household bills, and day-to-day living costs. It’s a simple but powerful way of giving your family stability and security when they need it most."

Damien Grant | Life Insurance Specialist

How we can help

Independent advice, not tied to one insurer
Fee-free service
Support at every step
Ongoing reviews and claims support

Protect your loved ones

Speak to a friendly Life Insurance expert today

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Life Insurance FAQs

How does life insurance work?

Life insurance pays out a cash lump sum to your loved ones if you die during the policy term. You pay a regular premium and choose the amount of cover you wish to have, you can also decide whether the amount of cover stays level for the term of the policy or decreases over time (usually used to pay off a mortgage).

Do I need life insurance?

If you have dependants who rely on your income, Life Insurance is usually a good idea. It can help protect your partner, children, or other loved ones from financial difficulty at an already difficult time. It's particularly important where there are large debts like a mortgage involved, but can also be used for things like funeral costs, childcare, and other expenses.

What types of life insurance are available?

Common types of life insurance include level term insurance, decreasing term insurance, and policies that combine life cover with critical illness cover. Each type suits different financial needs and goals, an adviser can help you to understand which is best suited to you.

Can I get life insurance if I have a medical condition?

Many people with existing medical conditions can still get cover, although premiums may be higher and some insurers will place exclusions in the cover. Insurers will usually ask about your medical background when assessing your application, and may require further information from your GP.

How much does life insurance cost?

The cost of life insurance varies depending on your age, health, lifestyle, the amount of cover you choose, and the length of the policy. Generally, younger and healthier applicants pay lower premiums, while higher levels of cover or longer terms can increase the cost, along with factors like existing health conditions or ongoing investigations.

Do you charge a fee for your service?

No, we don't charge a fee for our life insurance advice. If you decide to take out a policy, the insurer will pay us a commission, which means our expert advice and guidance comes at no cost to you!

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