Sml Shield

Trusted by over 400,000 with their insurance needs

Sml Star

Our service is rated ‘Excellent’ on Feefo

Sml Agent (1)

Over 2000 insurance specialists ready to support you

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.

  • Tailored life insurance
  • Injury and illness cover
  • Access your quotes, policies and renewals in your online account
A shield with a tick inside it on a big translucent blue circle
Young boy holding a kite, sitting on the shoulders of his father, walking through a field of corn, a white sky and yellow back drop of fields and hills
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4252 customer reviews

Feefo Logo

Why choose life insurance with Towergate?

Tick

Tailored life insurance

Get cover that is most relevant to your needs

Heartbeat

Injury and illness cover

Mortgage protection cover if you can’t work due to injury or illness

Money

Reliable pay outs

Life insurance that pays out when you need it to

Direct Debit icon

Pay by Direct Debit

You can split your life insurance payments into monthly instalments

About life insurance

Woman

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.

Claim

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.

Care

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.

Liability

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.

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.
  • Call the claims team on the number in your policy documents and explain exactly what happened.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Life insurance FAQs

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.

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.

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.

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.

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.

Life insurance articles and guides

Business Insurance Checklist

Get the best business insurance. Our checklist will help you understand what makes the best business insurance and what you can do to be best protected.

Read more

Are you ready to scale up your business?

When your company is thriving, you may consider scaling up. This article looks at key considerations to take into account when scaling up your business.

Read more

Creative Marketing Ideas for Small Businesses

SMEs don't always need hefty budgets to compete with industry big guns. Generate new leads and foster old ones with these genius marketing hacks.

Read more

Managing the growth of a small business

Ruth badger gives her expert advice for micro businesses for managing their growth and increasing profits.

Read more

Making Tax Digital for Businesses

Making Tax Digital (MTD) will affect all businesses and is a key element of the government’s plans to make it easier for businesses and individuals.

Read more

Business Insurance Jargon Buster - the ins and outs of insurance

Use our simple jargon buster to find out what various business insurance phrases and terms mean.

Read more