Life insurance is designed to provide a cash lump sum if you pass away during the policy term. It can help support your family financially at a difficult time. The level of cover, cost and length of policy vary depending on your circumstances and the insurer’s criteria.

The right level of cover depends on your personal circumstances, such as your mortgage balance, financial commitments, and what you want the policy to help with. We can explain the options available so you can decide on a suitable level of cover.

Policies are usually taken out for a set number of years (known as the “term”). Some people match this to their mortgage length or other long‑term financial commitments. We can discuss available term lengths so you can choose what fits your goals.

Most policies cover death from most causes, but there are exclusions — for example, some insurers exclude certain causes if they are disclosed at application or fall under specific policy terms. We’ll make sure you understand what is and isn’t covered.

Many policies have fixed premiums, meaning they don’t change. Others, such as index‑linked policies, may rise each year to keep up with inflation. We can help you understand how each type works.

Over 50s policies provide a guaranteed cash payout when you pass away, as long as you keep paying your premiums. Acceptance is typically guaranteed for UK residents within the eligible age range, with no medical questions.

Cover amounts vary by insurer and depend on your age and premium level. These policies usually offer modest payouts intended to help with costs such as funeral expenses.

Usually not, most Over 50s plans offer guaranteed acceptance without medical underwriting.

Many policies have an initial waiting period (often 12–24 months) during which the policy won’t pay out for death due to natural causes. We’ll ensure you understand any waiting periods before you apply.

It is possible, as premiums are paid for life and the benefit amount is fixed. We’ll explain this clearly so you understand how these policies work.

Income protection is designed to pay a monthly benefit if you’re unable to work due to illness or injury. It aims to help cover essential living costs while you recover. Policies vary by insurer and individual circumstances. It typically covers between 50% to 70% of your gross monthly earnings.

Policies can pay out for a set period (e.g., up to 1, 2, or 5 years) or until retirement age, depending on the cover you choose. We’ll help you understand the options available.

Employer sick pay can help, but it may only last for a limited time. Income protection could help bridge the gap after that. We can discuss how policies work so you can decide whether it’s suitable for your situation.

This is the length of time between stopping work and when your policy starts paying out. The longer the deferred period, the lower the premium usually is. We’ll explain the options and how they work.

This depends on the insurer and the medical history involved. Some conditions may be excluded or result in adjusted premiums. We’ll help you understand how insurers assess applications.

Whole of Life policies are designed to pay out a lump sum whenever you pass away, as long as premiums are maintained. They’re often used for estate planning or leaving a guaranteed legacy.

Premiums can be fixed or reviewable. Reviewable premiums may change over time based on the insurer’s assessment. We’ll help you understand the difference so you can choose confidently.

Most Whole of Life policies require medical underwriting, as the insurer is guaranteeing a payout. This varies by insurer and your personal health history.

You can usually cancel at any time, but you won’t get back the premiums you’ve paid. We’ll make sure you’re aware of this before taking out cover.

No. Over 50s plans typically guarantee acceptance and offer lower payouts, while Whole of Life policies are fully underwritten and can provide more substantial cover.

Critical Illness Cover pays a lump sum if you’re diagnosed with a specified serious illness as defined in the policy wording. It’s designed to help with financial pressures during treatment or recovery.

Each insurer has its own list of covered conditions and definitions. Common examples include certain cancers, heart attacks, and strokes, but cover varies. We’ll ensure the policy wording is clear so you know exactly what is covered.

Many insurers allow you to combine the two. This can sometimes be more cost‑effective, but it depends on your needs and the insurer. We’ll explain the pros and cons of combined vs standalone policies.

Some policies pay out once only, while others offer multiple‑event or additional‑condition cover. We’ll outline how each type works so you can make an informed choice.

Some insurers include children’s cover as standard, while others offer it as an optional extra. The level of cover and conditions vary. We’ll guide you through the specifics.

Buildings insurance typically covers the structure of your home such as walls, roof, floors, fitted kitchens, and permanent fixtures against events such as fire, flood or storm damage. The exact cover depends on the insurer.

Contents insurance covers your belongings, such as furniture, clothes, appliances, and personal items, against loss or damage. Some policies include accidental damage or offer it as an optional extra.

Most mortgage lenders require buildings insurance as a condition of lending, to protect the structure of the property.

For buildings insurance, you usually insure the rebuild cost of your home, not its market value. For contents insurance, you estimate the value of your belongings. We can help you understand how to assess this.

All policies include exclusions for example, wear and tear, or damage caused by lack of maintenance. We’ll make sure you understand the key terms of any policy you’re considering.

Family Income Benefit is a type of life insurance that pays a regular, tax-free income to your loved ones if you pass away during the policy term, helping them cover ongoing living costs.

Unlike traditional life insurance, which pays out a single lump sum, Family Income Benefit provides monthly or yearly payments over a set period, offering continued financial support rather than a one-time payout.

It’s ideal for anyone with dependents, such as children or a partner, who rely on their income and would need ongoing financial support if they were no longer around.

Payments continue for the remainder of the policy term you choose. For example, if you select a 20-year term and pass away after 5 years, income payments would typically continue for the remaining 15 years.

This depends on the provider and your personal circumstances. Many policies require some health and lifestyle information, but the process is usually straightforward and designed to be quick and accessible.