Life Assurance
Protect your family’s financial future with comprehensive life insurance solutions
Only 35% of UK adults have adequate life insurance protection
Why Life Assurance Matters
£6,500
Average monthly household expenses
£2,700
Average UK monthly income
6 months
How long most families' savings would last
What Happens Without Life Assurance?
- Mortgage payments become unaffordable
- Children's education at risk
- Standard of living drops dramatically
- Surviving spouse may need to return to work
- Family home may need to be sold
- Debts and funeral costs create pressure
- Long-term financial goals abandoned
- Emotional stress compounds grief
Types of Life Assurance
Term Life Assurance
Provides cover for a specific period, typically 10-30 years. Most affordable option for young families.
Key Features:
- Lower premiums than whole life
- Fixed or decreasing cover options
- Ideal for mortgage protection
- Can be converted to permanent cover
Best for: Young families with mortgages and dependents
Whole of Life Assurance
Permanent cover that lasts your entire lifetime, often with investment growth potential.
Key Features:
- Guaranteed payout whenever you die
- Cash value builds over time
- Can borrow against the policy
- Excellent for inheritance tax planning
Best for: Estate planning and long-term wealth transfer
How Much Life Assurance Do You Need?
Life Assurance Calculator
Immediate Needs
Recommended Cover
£978,000
Estimated monthly premium: £45-£85
Our Life Assurance Service
Needs Analysis
Comprehensive assessment of your family's financial requirements
Policy Comparison
Compare quotes from leading UK insurers to find the best deal
Trust Setup
Place policies in trust to avoid inheritance tax and speed up claims
Ongoing Support
Regular reviews to ensure your cover remains adequate
Protect What Matters Most
Don’t leave your family’s financial security to chance. Get a free life assurance quote today.
No obligation • Expert advice • Competitive rates from leading insurers