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Free Life Insurance Quote




What Is Life Insurance?

Life insurance is an insurance policy designed to offer financial help for you or your family when its needed the most. A life insurance policy often pays out when the policy holder dies, however critical illness cover can be added to the policy. This will mean the policy will also pay out if the policy holder is diagnosed with a specified illness during the cover period.



Length of Cover

The length of cover and amount of cover required will differ for each individual depending on their own circumstance. When evaluating the length of cover required it is important to take in to consideration any dependants which financially rely on you or any outstanding mortgage balance which you wish to be covered for the the policy duration.



Amount of Cover

When calculating the amount of cover required include any loans or mortgages and childrens education fees such as university costs. Should the policy holder die or be diagnosed with a specific illness during the policy term, the cash payout will ensure any debts are be covered.



Our Simple 3 Step Process



Step 1

Complete the form above to get started.



Step 2

Speak to a life insurance specialist to discuss your personal requirements.



Step 3

Choose a life insurance plan offered to complete the process.



Life insurance is a way to ensure financial protection for family members in the event of the death of an insured policyholder. Benefits are free from income tax and most policies have a degree of flexibility, allowing premiums to be reduced or increased depending on ongoing needs and long-term changes in circumstances. There are also policies that cover funeral costs, meaning that policyholders have peace of mind that loss of income, mortgage payments and one-off costs are covered after they die.

Over 50s life insurance is way to get an immediate plan in place for a lump sum to be paid out to your loved ones or family for bills, funeral costs or simply as a gift. These days, there are plenty of providers who don’t require medical checks, and who also cover accidental death. Cover costs are inevitably slightly higher than for younger policyholders, but the market is expanding and there are plenty of excellent deals out there.

Family life insurance pays out an agreed sum to the policyholder’s family in the event of their death. This can either be taken as level term insurance, where the amount would remain the same regardless of when death occurs, or decreasing term insurance, where the amount decreases the later in to the policy the claim occurs. Decreasing term life insurance is often taken out to cover a mortgage. Payments are made monthly and are generally very affordable.

Mortgage life insurance, as described above, is a decreasing term life insurance that covers any unpaid mortgage dept if the policyholder dies before it has been entirely paid off. This is not the same as Mortgage Payment Protection Insurance, which covers long-term sickness, injury or unemployment. With this kind of insurance, it’s important to consider whether you want single or joint protection. With joint, the other party is covered no matter who passes away, but in families where only one person works, single cover is most often used.

Once you submit our quote form, our Life Insurance provider will contact you to discuss your quotes and plan options. A telephone call is important to ensure the right policy is quoted for that meets your needs and requirements with regards to price and the type of plan. Our provider will usually call you within the next few minutes, however if it is currently outside office hours, this could be the morning of the next working day. Our providers have access to a wide choice of prices and plans to help meet your requirements. There are no fees or charges associated with using this website. This service is free, we do not charge you for this service. Our partner pays us an introductory fee only. We do not receive any other payment regardless if you take out the policy or not.

"Home insurance, car insurance, holiday insurance.... don't let life insurance be the insurance you forget."