Life insurance
Life cover pays out a lump sum if you die during the policy, so your family can clear the mortgage and carry on.
Peace of mind for your family
We'll help you work out how much cover you need and for how long, and compare insurers to find the right policy at a fair price.
How we help
- Mortgage protection matched to your loan
- Family cover for day-to-day living costs
- Policies written in trust where appropriate
Questions people ask
How much life insurance do I need?
Enough to clear your mortgage and any other debts, plus enough to cover your family's living costs for as long as they'd need support. We'll work out a figure with you based on your mortgage, income and family.
What is mortgage protection?
It's usually decreasing life insurance, where the amount of cover falls roughly in line with a repayment mortgage. It's normally cheaper than level cover, which stays the same and can leave money over for your family.
Should my policy be written in trust?
Often, yes. A trust can mean the money goes to the people you choose more quickly, and it can help keep it outside your estate for inheritance tax. We'll explain whether it suits you.
Do life insurance claims actually get paid?
The vast majority are. Insurers paid 96.7% of new individual life insurance claims in 2025, according to the Association of British Insurers. Most declined claims come down to information that wasn't disclosed when applying, so we help you answer the questions fully.