What is life insurance?

Life insurance can pay your dependents money as a lump sum or as regular payments if you die.

It’s designed to provide you with the reassurance that your dependents will be looked after if you’re no longer there to provide.

The amount of money paid out depends on the level of cover you purchase. You decide how much you require and for what period. You choose whether it is a lump sum and if it remains guaranteed or reduces. You can also choose for the benefit to be paid monthly and cover specific expenditure, for example - mortgage, rent, bills or credit commitments.

You may need to think about whether receiving a payout will affect any means-tested benefits your dependents might otherwise be eligible for.

Why protect yourself with life insurance?

Knowing you are protected with life insurance can give you peace of mind that your loved ones will be covered financially in the event of your death.

We recommend you learn more about this cover if:

  • You have a young family
  • Your partner relies on your income for financial support
  • A family member lives in a house with a mortgage that you pay
  • You want to cover the cost of funeral expenses
  • You have a large amount of personal debt

How we can help

It is important to us that you and your family have adequate protection. When you lose a partner or loved one, you should be able to grieve without the added financial worry. Having the appropriate life insurance will give you peace of mind in knowing that your family will be looked after.

Our experienced advisers can help you decide on the level of cover that is right for you. Don’t be put off by the jargon, let us guide you through the options. If you have a medical condition the chances are we have heard it before, and having access to all insurance providers - we will know which company to approach. Don’t assume you cannot get life insurance, let us work through the challenge and provide a tailor-made solution.

We understand the insurance market and that one product does not fit all people. Insurance should be specific to you. It should consider existing policies and employer provisions. You do not want to duplicate any benefits unnecessarily. We take time to listen to your needs, what budget you are prepared to spend and, when ready, help you complete the life insurance application.

Get life insurance advice

Your local independent insurance experts

  • Our advisers have access to all insurance providers and provide an unbiased advice
  • We can help you find the right insurance and help you protect those who matter most
  • We don't have any fees

Call us on 01780 480600

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Choice Mortgages have provided me with a fantastic consultative service for over 10 years. I've had absolute peace of mind that everything related to my mortgage, home insurance, life insurance and critical illness insurance has been in hand. Nicki and the team have always given me informed guidance and I've had every confidence in their recommendations and products. A first-class service that I wouldn't hesitate to recommend.

A first-class service that I wouldn't hesitate to recommend.

Emma and her daughter

We can help you find right insurance product

Our insurance brokers can see the whole picture

The River Welland running under a bridge in Stamford, Lincolnshire, England

Based in Stamford, Lincolnshire

Choice Mortgages is an independent mortgage broker; having access to thousands of mortgage and protection products on the market. Our office has been located in Stamford for over 20 years and we have a team of professional advisers with a vast amount of experience.

We offer a free no obligation consultation and help you find the most suitable solution. Understanding lenders criteria and how you are eligible for a mortgage is paramount.

We provide a dedicated personal service and work closely with you every step of the way; organising the paperwork and taking care of the entire application process, making the transaction far less stressful for you. We know lives are busy and we can alleviate the time pressure, by offering telephone or face-to-face appointments.

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