The right cover,
at the right price.
A life insurance policy doesn’t change anything for you — but for the people who depend on you, it changes everything. We’ll help you find the right cover, at the right price, for the situation you’re actually in.
Why life insurance matters
Life insurance is one of the simplest pieces of financial planning you can do, and one of the most under-discussed. The basic question is: if something happened to me, would the people I leave behind have enough to live on?
For families with a mortgage, young children, or anyone whose income is being relied upon, the honest answer for most households is ‘no, not for long’. A life insurance policy fills that gap, often for a remarkably small monthly premium.
Your options
A fixed sum, paid out if you die during the policy term.
The pay-out reduces over the term to match a repayment mortgage balance.
Covers you for as long as you live, with a guaranteed pay-out.
Pays a regular monthly income to your family rather than a lump sum.
What we cover
- Pre-existing medical conditions — we find insurers who still cover you
- Family medical history — we ask the right questions upfront
- Smoker or ex-smoker status — affects pricing significantly
- Occupation — some roles affect cover terms
- Writing the policy in trust — we handle this at no extra cost
What it costs
A single broker fee, payable only when your mortgage completes. Free for NHS staff, Blue Light Card holders, teachers, social workers and the armed forces. Always confirmed in writing before any work begins.
Common questions
Do I need life insurance if I’m single with no dependents?
Probably not, unless you have specific debts that someone else has co-signed — in which case cover can protect them from liability.
How much cover do I need?
A common rule of thumb is 10x your annual salary, plus enough to clear any outstanding mortgage. We model the right amount for your specific situation.
Will my pre-existing condition stop me getting cover?
Usually not, but it may affect the price or the policy structure. We ask the right questions upfront so there are no surprises at claim time.
What does ‘writing the policy in trust’ mean?
It means the pay-out goes directly to your chosen beneficiary, bypassing your estate — no inheritance tax and a much faster pay-out. We handle this at no extra cost.
Can I change the policy later if my situation changes?
Some policies have ‘guaranteed insurability’ options — letting you increase cover at key life events like marriage or having children, without further medical underwriting.