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Understanding life insurance  

Life insurance is important because it's about protecting you, and the future financial security of those closest to you.

With the right protection in place, your loved ones won’t have to worry about money when money is the last thing they want to worry about.

We're all different, however we do all tend to go through similar stages throughout our lives. Take a look at the key life stages below and consider how life insurance can help protect you and your family against life's uncertainties.

 

Protect your family with life insurance

Raising a family

Protecting the people you love is more important than anything else. But consider the financial impact on them if death or even a critical illness stopped you or your partner from providing for them.

Mortgage protection image

Buying a home

Buying a new home or moving can be an exciting time! It's possibly the biggest financial commitment you’ll ever make.

Income protection image

Protecting your income

Your biggest asset is you, so you need help to protect some of your income.

Inheritance tax planning meeting

Protecting your estate from inheritance tax

Inheritance tax can have a big impact on the value of your estate, life insurance can help you cover this tax liability so your assets go where you want them to. 

 



Our Life Insurance Plans

Level protection Plan - may be right for you to protect your family or business if you die, suffer a terminal illness or are diagnosed with a specified critical illness.

Adaptable Life Plans - may be right if you want to provide a cash sum for your family when you die or are diagnosed with a terminal illness at any time.

Decreasing Mortgage Cover Plan - may be right if you want to repay a mortgage or long term debt if you die, suffer a terminal illness or are diagnosed with a specified critical illness.

Income Protection Plan - may be right for you if you need an income when you can’t work, because of illness or injury.

Looking for advice

If you would like help making decisions, please speak to your financial adviser. Bear in mind, you may have to pay for any work an adviser does for you.

Find a financial adviser

If you are looking for an independent financial adviser in your area, visit unbiased.co.uk

 

Your privacy is important to us - data protection

Our Data Protection leaflet tells you why we ask you questions, what we do with the information you give us and how we protect your privacy. It also explains your rights under the Data Protection Act 1998.