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We search insurers big and small for cover to protect your loved ones

We search insurers big and small for cover to protect your loved ones

Frequently asked questions

Life insurance protects your loved ones with a lump sum payout, ensuring that they don’t suffer financially if you’re not around anymore. A policy is usually bought to cover the period (or term) that your family most need help i.e. during a mortgage term, or when your children are financially dependent on you. 

It all depends on a few things; your health, your age, your smoker status, the amount of cover you're after and maybe even your hobbies. Read more about the average cost of life insurance here.

Life insurance covers common causes of death such as illness, disease, cancer, heart attacks or accidents. Depending on your cover, it may also cover a terminal illness diagnosis and suicide. Common exclusions are pre-agreed medical conditions, chronic illnesses, disabilities, drug and alcohol abuse and high-risk activities.

Although a life insurance payout is often talked about as a tax-free lump sum, this is true up to a point. If your estate is valued above £325,000 (or £650,000 if you’re married) or the life insurance payout pushes your estate value over the threshold, you might be hit with inheritance tax.

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Life insurance, mortgage protection, critical illness cover and more - there's so much choice. If you know what cover you need, great; if not, we're here to help and advise.
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You may need a joint, or a single policy. Not sure what you need?...we can advise, and usually if it's a joint application, we would recommend individual policies.
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The amount you need depends on a number of factors such as your mortgage balance, any debts and a lump sum you may want to leave after these are factored in. Don’t worry – if you’re not sure we can advise you.
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Think about how long you may need to cover life's biggest costs - it may be until a mortgage is fully repaid, until a child becomes financially independent, or until retirement.
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Most insurers will need to know this for a policy, and they may include e-cigarettes and nicotine replacements.

We strictly adhere to the General Data Protection Regulation and will only use your personal information for the purposes of helping with your query. As an advice-based broker, by submitting your details with your phone number and email, we may attempt to call, text or email you in order to service your query for Life Insurance, Income Protection Insurance, Critical Illness Insurance and other products. For more information, please read our Privacy Notice & Cookies.

Frequently asked questions

Life insurance protects your loved ones with a lump sum payout, ensuring that they don’t suffer financially if you’re not around anymore. A policy is usually bought to cover the period (or term) that your family most need help i.e. during a mortgage term, or when your children are financially dependent on you. 

It all depends on a few things; your health, your age, your smoker status, the amount of cover you're after and maybe even your hobbies. Read more about the average cost of life insurance here.

Life insurance covers common causes of death such as illness, disease, cancer, heart attacks or accidents. Depending on your cover, it may also cover a terminal illness diagnosis and suicide. Common exclusions are pre-agreed medical conditions, chronic illnesses, disabilities, drug and alcohol abuse and high-risk activities.

Although a life insurance payout is often talked about as a tax-free lump sum, this is true up to a point. If your estate is valued above £325,000 (or £650,000 if you’re married) or the life insurance payout pushes your estate value over the threshold, you might be hit with inheritance tax.

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LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.