Life Insurance
Take control of your financial wellbeing with expert advice on life insurance—providing peace of mind that your loved ones are cared for, no matter what.
Life Insurance
Retirement is often described as life's longest holiday. Check out our articles, tips and guides to make sure your retirement pot lasts the distance.
Take control of your financial wellbeing with expert advice on life insurance—providing peace of mind that your loved ones are cared for, no matter what.
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Life insurance is a policy that pays out a tax-free lump sum to your loved ones if you pass away during the policy term. This financial protection helps your family manage expenses and maintain their quality of life in your absence.
Whether it’s to cover outstanding debts, mortgage payments, or everyday living costs, life insurance ensures your family’s financial future is secure during difficult times.
Life insurance provides a safety net to protect your family’s future. Key reasons to consider life cover include:
- Financial Security for Loved Ones: Ensure your family can cover essential living expenses, mortgage payments, or rent.
- Repay Debts and Liabilities: Prevent debts, such as loans or credit cards, from burdening your loved ones.
- Protect Your Children’s Future: Help fund your children’s education, childcare costs, or other future needs.
- Peace of Mind: Knowing your family will be looked after can help ease worries about the unexpected.
Life insurance provides a safety net to protect your family’s future. Key reasons to consider life cover include:
Use our free calculator to find out how much you need in your pension
Pensions & Retirement
Retirement is often described as life's longest holiday. Check out our articles, tips and guides to make sure your retirement pot lasts the distance.
Check out our articles, tips and guidesto make sure your retirement pot lasts thedistance.
Button TextThere are several types of life insurance, each designed to suit different needs:
Provides cover for a set term, such as 10, 20, or 30 years. If you pass away within the term, your beneficiaries receive the payout.
Covers you for your entire lifetime, guaranteeing a payout when you pass away.
Often used to cover a repayment mortgage. The payout reduces over time as your outstanding mortgage balance decreases.
Pays a regular income to your family rather than a lump sum, helping to replace lost earnings.
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The level of cover you need depends on your personal circumstances, including:
- Mortgage and Debts: Outstanding balances on your mortgage, loans, or other financial commitments.
- Living Costs: Everyday expenses for your family, such as food, bills, and childcare.
- Future Needs: Costs such as education fees, savings for children, or funeral expenses.
- Existing Savings or Cover: Take into account any savings or employer-provided life cover when determining your needs.
A financial adviser can help you calculate the right amount of cover based on your unique situation.
The cost of life insurance depends on several factors, including:
- Your Age: Premiums are generally lower the younger you are when taking out a policy.
- Health and Lifestyle: Pre-existing conditions, smoking, or high-risk hobbies can impact premiums. Everyday expenses for your family, such as food, bills, and childcare.
- Cover Amount and Term: Higher cover levels or longer terms increase costs.
Choosing the right life insurance policy can be overwhelming. A financial adviser can help you:
- Assess Your Needs: Determine the right level of cover to protect your family’s future.
- Compare Policies: Find cost-effective options from leading providers that suit your requirements.
- Plan for Your Future: Integrate life insurance into a comprehensive financial plan.
- Save Time and Effort: Simplify the process of choosing and securing a policy.
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