Life Insurance
Life insurance gives you the peace of mind that your loved ones would be well taken care of in the event of your death. It’s not about expecting the worst – it’s about preparing for it, and you can be prepared through cover through our sister company Towergate Health & Protection.
Life Insurance
Life insurance gives you the peace of mind that your loved ones would be well taken care of in the event of your death. It’s not about expecting the worst – it’s about preparing for it, and you can be prepared through cover through our sister company Towergate Health & Protection.
About Life Insurance
Tailored life insurance
Get cover that is most relevant to your needs
Injury and illness cover
Mortgage protection cover if you can’t work due to injury or illness
Reliable pay outs
Life insurance that pays out when you need it to
Pay by Direct Debit
You can split your life insurance payments into monthly instalments
Features of Life and Serious illness Insurance
Standard cover
Advice from our life insurance experts
It’s so important that you fully understand the ins and outs of your life insurance policy, and our advisers will get you up to speed to ensure the policy meets your requirements before before taking out a policy
Mortgage protection cover
Mortgage protection cover can maintain your mortgage payments if you cannot work due to injury or illness. Knowing your biggest monthly bill is covered can help ease the financial pressure and stress of illness.
Serious illness cover
Unlike typical critical illness cover, we also advise on cover that pays out for less serious conditions. If you need to claim from your insurance policy, you’ll receive a percentage of the cover depending on the severity of your medical problem. If the condition is caught early, you’ll receive a portion of the cover to help with stress, but the rest of the cover will still be there should you need to claim again.
Comprehensive, flexible and affordable benefits
Benefit from our buying power as part of the largest independent intermediary. We can help you find insurance that suits your needs. Whether you are looking to keep costs low or extend your benefits for full peace of mind, our advisers can help.
Life Insurance FAQs
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Why should I buy life insurance?
Why should I buy life insurance?
It depends on where you are in life. For many people, life insurance is an excellent way to protect the things that mean the most – in this case, making sure that your family’s financial future is taken care of should something unexpected happen to you.
![Question]( "Question")
Can my children be covered too?
Can my children be covered too?
Yes. Children’s cover is included as standard when you take out serious illness or critical illness cover for yourself and you may be able to increase the amount of cover available. If your child is diagnosed with one of the illnesses we cover, you will receive a cash lump sum.
![Question]( "Question")
How do you work out the price of my life insurance?
How do you work out the price of my life insurance?
Your premiums are based on a range of factors, such as but not limited to: your age, height and weight; your health; whether you’re employed in a high-risk occupation; and whether you smoke.
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Can I pay for my life insurance in instalments?
Can I pay for my life insurance in instalments?
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.
![Question]( "Question")
Can I change my life insurance policy later?
Can I change my life insurance policy later?
Yes. If your circumstances change you can increase your life insurance cover or buy extra policies. You can also choose to add indexation to your plan at no extra cost. Indexation protects you against rises in the cost of living, making sure you always keep the level of cover you need and increases your cover each year without the need to go back through our application process. You can also choose to opt out of any future increases.
How do I make a claim?
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
Find your insurance documents
and make sure you have all your information at hand, including your policy number
Give your insurer a call
on the phone number in your policy documents and explain exactly what happened
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