Life cover provides financial protection for your family, home, and financial commitments. It ensures your mortgage, loans, and everyday living costs can still be met if the unexpected happens — giving you peace of mind without jargon or confusion.
As a regulated mortgage adviser, I provide personalised life cover advice tailored to your circumstances, helping you choose the right policy and cover level for your family and home.
Life cover (also called life insurance) pays out a tax-free lump sum if you pass away during the policy term. This money can be used to:
Life cover is particularly important if you:
“Life cover isn’t about expecting the worst — it’s about giving your loved ones financial security, no matter what the future holds.”
For mortgage holders, life cover is essential to protect your home. If something were to happen, life cover ensures your mortgage could still be paid, allowing your family to remain in their home.
Even if you already have life insurance, circumstances change — new mortgages, children, income changes, or career moves can create gaps in cover. Regular reviews help avoid shortfalls and may offer better value.
| Policy Type | How It Works | Best For |
| Level Term Life Cover | Pays a fixed lump sum throughout the policy term | Families wanting stable protection |
| Decreasing Term Life Cover | Payout reduces over time, often linked to repayment mortgages | Homeowners with decreasing mortgage balances |
| Family Income Benefit | Pays regular income instead of a lump sum | Providing ongoing support for dependants |
Each option has pros and cons — I’ll recommend the right solution based on your family, finances, and mortgage.
Your life cover should match your mortgage, dependants, and future plans. Factors I consider include:
I calculate your requirements accurately, helping you avoid overpaying while ensuring your family is fully protected.
Online comparison sites can be confusing and don’t always explain exclusions or suitability. Working with me means you get:
I help you understand:
How to align cover with your financial goals
I guide you step by step to make life cover simple:
1️⃣ Initial Review – Discuss your mortgage, finances, and priorities
2️⃣ Needs Assessment – Identify appropriate levels of cover
3️⃣ Provider Comparison – Compare policies from leading insurers
4️⃣ Clear Recommendation – Explained in plain English
5️⃣ Ongoing Support – Assistance with future reviews, changes, or claims
Clear, professional, and stress-free.
Depends on your mortgage, income, dependants, and future financial goals. I calculate this with you during your review.
Life cover is often more affordable than people expect, especially when arranged earlier in life.
Yes. Policies can be reviewed and adjusted as circumstances change, though new underwriting may be required for new policies.
Yes. Life insurance advice is FCA-regulated, ensuring suitability, transparency, and protection for you.
Still have a question? Get in touch.
Whether you’re arranging life cover for the first time or reviewing an existing policy, I provide expert, clear, and compliant advice to protect your family and home.