Life insurance is a product that can provide a lump sum or a monthly benefit in the event of a person’s death. Some examples of what a life policy can be used for are, to pay off an outstanding mortgage, or to provide a replacement income for a surviving partner and / or their children.
Life insurance can also be combined with critical illness cover to make a life and critical illness policy. There are many ways that life insurance can be arranged, including on a personal level or through a ltd company. However, how we recommend that a policy is set up, will depend entirely on your particular circumstances and objectives.
The cost and availability of most life cover takes into account your health history, family history, whether you smoke or not and your occupation. This means the cost and availability of insurance from one insurer to another can sometimes be different.
By using information about you and our knowledge of the insurers, we can tailor and research an appropriate solution that best fits your needs.