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What is Life Insurance?

Life insurance is one the simplest and most reliable financial solutions that will protect your loved ones when you are no longer able to. The benefit will allow your family to cope with loss without the additional stress of worrying how to make ends meet. The money can help them to:

We realize there is no "one size fits all" life insurance plan, thereby, we provide a full range of solutions to suite every stage of life. By partnering with leading UK insurers we are able to provide products for individuals looking to protect their families, their business, mortgage or themselves. We also arrange No Medical plans that can provide protection if you are hard to insure due to age or health issues.

What does life insurance cover?

Life insurance pays out a lump sum to your beneficiaries if you die; or if you have critical illness cover on your policy, a payout will be received on diagnosis of a critical illness like cancer, a tumour, or a heart attack. Often the funds are used to pay off a mortgage, to help raise children, or to cover rent and day-to-day expenses. Funds can also be used to settle medical pills or co-signed debts that would otherwise be transferred to your partner.


There is no income or capital gains tax on life insurance payouts, however you could be subject to inheritance tax if your estate (the sum of your anything you own) is over a threshold. This can be sidestepped by placing the policy in trust, so that you beneficiaries become the trustees, and the policy is no longer part of your estate.

Do I Need Life Insurance?

If you have a partner, children, or parents who depend on you, it's wise to have a life insurance policy that provides a safety net should something happen to you. A policy will protect yourself, your assets and your loved ones when you no longer can. The payout from a policy could mean that it helps with medical bills, mortgage payments, outstanding debt, or monthly income for your family. You might not need life insurance if you have already built up sufficient savings that could be used for this purpose.

Can I get covered if I've had health issues?

Everyone is unique, and every policy is underwritten individually. While health history is one of many price factors (often also including current health, age and use of tobacco), it doesn't in any way prevent you from receiving quotes. Our experts have helped many happy applicants with pre-existing conditions and health challenges.

The Sooner You Apply, The Better Price You Get

Life insurance rates are closely related to your age. It is best to hurry up to get a cheaper deal.