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life insurance uk

What can life insurance cover?

Life Insurance could cover you and your family for a range of financial expenses including: –

  • your salary income
  • maintain your loved one’s standard of living
  • help with health and living costs if you become terminally ill
  • pay your children’s school or university fees in your absence
  • critical illness

Please remember that life insurance is not a savings or investment product and has no cash value unless a valid claim is made. If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless you make sure your amount of cover is adjusted to match any new mortgage arrangements.

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How are your loved ones covered?

Typically, once you agree to take out a life insurance policy, you will pay a monthly or annual payment (called ‘Premium’) to help cover expenses should the worst happen.

If you pass away or are diagnosed with a terminal illness while covered by the life insurance policy, then a cash sum could be paid. With the cash sum, your loved ones could cover the crucial expenses like a home mortgage, medical bills or pay off any outstanding unsecured loans.

Most people who apply are able to get cover for their needs, just make sure you answer all the questions truthfully when speaking with our agents.

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We work with some of the UK's biggest insurers..

aegon pension adviceRoyal London PensionLV Pensioncanada lifescottish widows pensionAviva PensionAmerican International GroupNational Friendly Insurance

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