Protection

Life Insurance

A tax-free lump sum for your family if you die during the policy term. It's the foundation of any protection plan, and usually the most affordable cover you can buy.

We compare policies from leading UK insurers

What Is Life Insurance?

Term life insurance can pay a lump sum on a valid death claim during the policy term. It is normally free of income tax, but inheritance tax may apply depending on how the policy is arranged. For most homeowners, it's taken out alongside a mortgage so the outstanding balance can be repaid in full. Your family keeps the home without worrying about the debt.

Beyond the mortgage, life insurance can also cover everyday living expenses, childcare costs and future milestones like university fees. What you pay depends on your age, health, whether you smoke and how much cover you need.

We compare policies across the whole UK market. We don't just look for the cheapest premium. We check the quality of definitions, exclusions and added benefits that make a real difference when it matters.

Types of Life Insurance

Decreasing Term

The cover reduces over time, designed to match your repayment mortgage balance. It's the most cost-effective way to protect the mortgage.

Level Term

The payout stays the same for the whole term. Better for interest-only mortgages, or if you want extra funds on top of clearing the mortgage.

Whole of Life

Designed to cover you for life, provided the policy remains in force and the claim meets its terms. Often used for inheritance tax planning or to leave something behind for your family.

Who Needs Life Insurance?

Mortgage Holders

If you have a mortgage, life insurance means your family can stay in the home if you die. Most lenders strongly recommend it.

Parents

Children depend on your income. Life insurance replaces that income so their lifestyle, schooling and care are protected.

Couples on Two Incomes

If you rely on both salaries to pay the bills, losing one could make the mortgage unaffordable.

Business Owners

Cover business loans and make sure your share of the business passes smoothly with a policy in the right trust.

Common Questions

How much life insurance do I need?

At minimum, enough to clear your mortgage. Many families also add a lump sum for living expenses, childcare and school fees. We'll work out a figure based on your exact situation.

Is it a legal requirement for a mortgage?

No. Life insurance is not a legal requirement for a mortgage; check your offer for any lender conditions. Regardless of what the lender says, it's one of the most important things you can put in place.

What does 'writing into Trust' mean?

A valid claim on a policy in trust is normally paid to the trustees, who distribute it under the trust terms. This can avoid waiting for probate, but payment times are not guaranteed. It can also keep the payout outside your estate for inheritance tax. We set this up for free.

Can I get cover with a pre-existing condition?

Yes, in most cases. Some insurers are much better than others when it comes to non-standard health. We know which ones are likely to accept your application at the best rate, and we handle the medical underwriting for you.

How much does it cost?

It depends on your age, health and how much cover you need. Premiums also depend on the policy term and underwriting, so an individual quotation is needed.