Life Insurance Advice

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.

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.