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Life Insurance

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Life Insurance is one of the most important financial decisions that anyone can make and gives you the financial freedom knowing that your family or business is protected. Most of us think that Life Insurance is far more expensive than it actually is and consider it to be unaffordable which is simply not the case for most people.

How much cover do I need?

Most people think that Life Insurance is a simple product that is designed to protect either your mortgage or your family. The fact is that Life Insurance comes in many different shapes, sizes and flavours so can be tailored specifically to suit your individual circumstances and budget.

What is Life Insurance?

Life Insurance is a simple insurance product that is designed to protect your family or your business against financial loss.

If you (your partner) were to pass away then your Life Insurance policy would pay out a Tax Free lump sum to ensure that they are financially secure. If we consider the worst and did not have Life Insurance cover in place, the financial implications could be disastrous.

There are a number of different types of Life Insurance which are designed to protect your family or business in the event of loss of an individual or income. Our team of expert advisers will explain how each product works and advise you on which product would be best for you and your needs.


What are the different types of Life Insurance?

Click the links below to find out more about the different types of cover available and how they can suit your requirements:

  • Family Protection (Level Term Assurance)
  • Mortgage Protection (Decreasing Term Assurance)
  • Whole of Life
  • Family Income Benefit
  • Critical Illness Cover
  • Over 50’s Life Insurance


Do I need Life Insurance?

Most people with financial responsibility should consider some Life Insurance to make sure that their family / loved ones are protected. Some of the key financial commitments that trigger a need for Life Insurance are:

  • Children (e.g. school fees, clothing, expenditure etc.)
  • Mortgage(s)
  • Rent
  • Income
  • Business costs
  • Cost of living
  • IHT liability / Legacy planning

Our team of expert advisers will help to guide you through the difficult decisions relating to your Life Insurance needs to make sure that you have the best cover for you.


What about Life Insurance for my Business?

Business Protection is another form of Life Insurance which is just as important as individual or family protection, however is generally less known about. For anyone who is either a company owner or director it is vital that you consider how to protect your business financially in the event of loss of an individual.

For more information about Business Protection and ways to cover your business in the event of loss of an individual, key person or director, visit our Business Protection section.


When is the best time to buy Life Insurance?

Life Insurance is underwritten in the same way as most insurance products and it is based on a number of risk factors, such as:

  • Age
  • Smoker status
  • Health
  • Occupation
  • Sports / Hobbies
  • Family History

The general rule is ‘the younger and healthier you are, the cheaper the premiums will be’ for the cover that you need. The fact is that most people wait until later in life to obtain cover, once they have a mortgage or have had children so have a genuine need for Life Insurance.


How often should I review my Life Insurance?

The other key point to consider with Life Insurance is that you should constantly review your cover to make sure that you have the right cover for you based on your needs at the time. Some of the key factors to consider when reviewing your Life Insurance are:

  • Moving house
  • Birth of a child
  • Change jobs
  • Stopping Smoking

The Insurance Surgery offers a FREE annual review service to all of our existing customers to ensure that you are constantly covered, now and in the future.


Independent Reviews at


How to guides to Life Insurance

Click the links below to find out more about the different types of cover available and how they can suit your requirements:

  • Family Protection v’s Mortgage Protection
  • Critical Illness Cover levels of protection
  • Medical Conditions Life Insurance
  • Smoking Life Insurance
  • Occupations Life Insurance
  • Sports / Hobbies Life Insurance
  • No medical required Life Insurance
  • Family Income Benefit v’s Decreasing Life Insurance
  • Life Insurance underwriting guide


If you have any further questions about anything to do with Life Insurance and protection for your family, please feel free to contact our team of expert Life Insurance advisers.

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