Life insurance.
Having a life insurance policy gives you peace of mind that your loved ones will be looked after financially when you pass away. We size the cover around the mortgage, the household running costs, and how long your family would need to be protected.
Enough to clear the mortgage. Enough to keep the household running.
Life insurance pays a lump sum (or regular income) to your family if you die during the term of the policy. It is not a nice topic and most people put it off. But it is the single most important product most families arrange and it is one of the cheapest — a healthy 35-year-old non-smoker can often cover a £250,000 mortgage for less than the cost of a coffee a week.
- Level term assurance — A lump sum that stays the same throughout the policy term.
- Decreasing term assurance — Sized to reduce alongside a repayment mortgage. Cheaper than level term.
- Whole of life — A lump sum that pays out whenever you die, not just during a fixed term.
- Joint life or single life — We compare both structures and recommend the right one for your household.
- Placed in trust — Where appropriate, we help write the policy into trust so the payout goes to your family quickly and outside your estate.
Three steps. One person. No jargon.
The same process for every life insurance enquiry, whether it is your first mortgage or your fifth.
The household conversation
We start with who depends on your income and what your household commitments look like, before we look at any policy.
Compare the small print
We compare exclusions, definitions, and premiums across the market. Cheaper is not always better on protection.
Written recommendation
You get a plain-English report explaining what we recommend, what it covers, what it does not, and what it will cost.
What you will pay.
We do not charge you a fee for protection advice. We are paid a commission by the product provider, which is included in the premium and disclosed to you in writing before you commit to anything.
Our recommendation is based on what is right for your household, not on which provider pays the most commission.
Questions we get about life insurance.
01How much life cover do I need?+
A reasonable starting point is the outstanding mortgage plus enough to give your family a year or two of household income. We build this up with you on the first call.
02What is the difference between level and decreasing term?+
Level term pays out the same lump sum whenever you die during the policy term. Decreasing term pays out a lump sum that reduces each year in line with a repayment mortgage. Decreasing term is cheaper because the average payout is lower.
03Should I put my policy in trust?+
In most cases, yes. A policy in trust pays out directly to your beneficiaries without going through probate, which is faster and can save inheritance tax. We help you set this up at no cost.
04Do I need cover if my mortgage has life insurance built in?+
Most residential mortgages do not include life cover. Where you have a "mortgage protection" or "endowment" style product from years ago, we review it against modern policies — often the new policy is cheaper and better.
Where clients typically go next.
Life happens.
Let’s take care of it together.
Book a call directly with Anthony. Evenings and weekends available. No forms up front, no pressure.