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Life Insurance

Life Insurance protects the lives you love
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Reasons to choose Life Insurance

  • Life Insurance, or life cover - is a safety net for your loved ones
  • It pays a cash lump sum to support your family, should the worst happen
  • You can personalise your cover with your loved ones in mind

Why taking expert advice makes the difference

  • Choosing the right life cover is a pretty important decision, but don't worry - we'll help you get it right
  • You probably have a lot of questions. Just give us a call and we'll talk through your options
  • Life insurance protects you and your loved ones. We hope you'll never need it, but it gives you peace of mind if you do

Watch our Life Insurance in 60 secs video

Frequently asked questions about this type of policy

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.
A term life insurance policy runs for a set period of time, making them cost-effective. Whole-of-life policies, on the other hand, payout whenever you die. Because they can last way into old age, they can be expensive.
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. Read more about life insurance and tax 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.
You’re unlikely to be entitled to any refund of the premiums you’ve already paid if you cancel your life insurance. You also won’t get your money back if your term ends and you or your beneficiaries haven’t been able to make a claim; in the same way car insurance won’t pay out if you don’t have an accident, or pet insurance doesn’t pay if your pet stays well.

Life Insurance - advice and guides

We've picked 3 guides we think you'd like, but you can visit the Advice & Guides hub for more.

A quick guide to life insurance

17 Jun 2020

Life insurance can be confusing. Our two-minute guide tells you everything you need to know - quick, simple, jargon-free
Read more

COVID-19 and life insurance

23 Sep 2020

Does my life insurance policy pay out for coronavirus? Can I buy a new policy right now? Get the answers here!

Read more

The 10 reasons why you need life insurance now

10 Jul 2020

Here are our top 10 reasons to get your life insurance sorted today

Read more

Read the latest news and views in the LifeSearch Blog

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What exactly is 'the right amount' of cover?

There's no standard answer - it's based on you and what's going on at home. Our calculator offers a suggestion but it's not a recommendation.

'The right amount' of cover is a balance: what you need versus your budget. But let's figure that part out together - after you calculate, call an advisor or jot your details and we'll call you.

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Remember, this only estimates how much you might need to help you make your decision

Since 1998, happy LifeSearch teams have protected more than 640,000 UK families

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42% UK households with a mortgage have no Life Insurance 

Over 98% of life insurance claims are successfully paid out 

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.