Personal protection
Life Insurance provides a lump sum payment to your loved ones if you pass away during the policy term, so the people who depend on you are not left to cope financially as well as emotionally.
Key benefits
What's typically included
Important to know
Every policy is different, so exact exclusions depend on the insurer and your individual circumstances. Common exclusions to be aware of include:
Common questions
Quick answers to the things people ask us most. Can't find what you're looking for? Get in touch and we'll be happy to help.
Our Blackburn-based advisers are happy to talk it through, with no obligation.
This depends on your outstanding debts (such as a mortgage), your income, and how long your family would need financial support. An adviser can help you work out a suitable level of cover for your circumstances.
Most policies cover death by any cause once the policy is in force, though suicide within the first 12 months is a standard exclusion. Full terms depend on the insurer and policy you choose.
In many cases, yes. Insurers assess each application individually, and cover may still be available, sometimes with adjusted terms. Speak to an adviser to explore your options.
No. Life Insurance pays out on death, while Critical Illness Cover pays a lump sum on diagnosis of a specified serious illness. The two can be combined for broader protection.
Tell us what matters to you and one of our advisers will help you explore your options.