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Life Insurance Advice in London

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Life Insurance Advice in London

With various life insurance products out there, we'll find a policy that ensures peace of mind for your loved ones.

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How does life insurance in London work?

Life Insurance policies provide your next of kin with financial support in the event of your passing. There are many different types of life insurance policies available, where most of them are designed to pay a lump sum that is usually used as financial support to pay off mortgage payments, childcare costs and bills.

If you are looking at taking out life insurance in London, we recommend that you speak with one of our protection & mortgage advisors in London. They will work with you to understand your personal situation to find you the insurance product that is best for you.

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Life Insurance Advice in London

Do I need life insurance in London?

If you are concerned about the finances that you would leave behind if you were to pass away, you may want to consider Life Insurance. If you are taking out a mortgage/remortgaging, you may be offered life insurance alongside your product. Coverage is not mandatory for your mortgage, or at all. It is only a recommendation.

If you live with a partner or friend, some of your financial commitments may be passed onto them. You wouldn’t want them to struggle with your remaining finances. This is an example of a circumstance where life insurance in London could be essential to you.

As providers of life insurance & mortgage advice in London, we would recommend that if you are a single homeowner, you still consider taking out your own life insurance policy.

How does the process work for life insurance in London?

The total that you will pay monthly, will depend on the type of policy that you take out. Remember that every policy is different, therefore, you may not be paying the same as most other people.

As protection specialists in London, we still see younger clients looking to take out life insurance policies. Usually, you will find that the younger and healthier you are, the cheaper your life insurance product should be. The way that your quote is calculated is through lifestyle, age, and medical history. If the cover is paid out, the total can either cover the entire amount insured at once or through regular monthly payments. When you take out your cover, you will get the option to decide how you want the lump sum to pay out.

One of the great things about life insurance is that as the policyholder, you can decide what your payout is used for. For example, when taking out the policy, you will be able to select whether you want the money to be used on your mortgage, debts or something.

You must know that life insurance is a policy to provide financial support for family members, replace lost income or pay off any outstanding debts owed in the person’s name.

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Life Insurance FAQs

What is life insurance?

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Life insurance is a type of cover that is taken out to protect you and your family, in the event of your passing. When you pass away, you want to ensure that your dependents are financially well looked after. Taking out life insurance is a way to make this possible.

Your life insurance cover will be unique to your personal situation. Before taking out your policy, you will be able to review your cover options with an expert insurance advisor in London. If you pass away due to a condition listed within your life insurance policy, a lump sum will be released.

When should I get life insurance in London?

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As an insurance and mortgage broker in London, we suggest that you explore life insurance options whenever a significant change happens in your life. For example, when you take out a mortgage, have children or have just got married.

Unfortunately, these things can happen at any time, and it is much better to be covered if the situation comes unexpectedly. The last thing your family, partner or loved ones need is to be left with your finances and large credit commitments, such as your mortgage. Life insurance not only protects you, but it also protects your family.

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Our Simple Step by Step Process

Free 30-Minute Insurance Review

Step 1

Discuss with a dedicated protection advisor about possible relevant insurances you would like to take or that we can suggest to you.

Your protection advisor in London will run through you health background with you, gathering some initial information.

We Will Search Through Different Insurance Products

Step 2

We will build a tailored plan surrounding your current personal and financial circumstances, meeting your available monthly budget.

Our team can search through 1000s of insurance products to find the most suitable one, to protect you and your family.

Submit Your Insurance Application

Step 3

Once we have found the appropriate product for you and you are happy to proceed, we will submit your application to the provider.

From time to time, the policy provider may come back to us for further information, before they will look at accepting the application.

Protecting You and Your Family

Step 4

If you took out your mortgage with us too, we will be back in touch with you at remortgage time. We will also take this time to review any policies you have in place.

Circumstances change and the policies you took out at the start of your mortgage, may no longer be suitable for you at remortgage time.

Reasons to Choose us

Free Protection Review

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If you want to find out more about our insurance services in London, it is simple and quick to get directly in touch with one of our specialists. We can explain the policies that are available to you and assess your personal and financial situation to determine which policies are more suited to your circumstances.

As a mortgage broker in London, we find that customers usually take out life insurance in conjunction with other policies. This does depend on your situation and some policies may not be right for you, therefore, we recommend speaking with an expert first.

1000's of Deals

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We have a large number of lenders available to search for the perfect insurance product for you. Your advisor can search through these high street lenders to find the best deal for you.

We want to make sure that we find the best product for you and your personal and financial situation before recommending you a product.

Our Service

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It can be difficult to know what sort of product to take out; that's why our life insurance advisors in London will talk you through the policies and run through how each of them work.

If you aren't considering life insurance, you may still benefit from a free protection review to learn about how they can help your loved ones financially, if you pass away.

7 Days a Week

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We are open and available to answer your calls 7 days a week. If you would prefer to book a free appointment online, there and then, you can do this by starting our enquire online process.

Our life insurance advisors in London are looking forward to hearing from you!

Malcolm and Amy Davidson - Mortgage Advice in London

Finding you the Right Life Insurance Deal in London

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Different Types of Life Insurance in London

The whole of Life Insurance

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Whole of life insurance is quite self-explanatory, it is a life insurance policy that lasts your whole life rather than a specific term.

Generally, since this policy lasts your whole life and therefore is more likely to pay out, this type of life insurance is more expensive. It is normally used for family protection and as part of an inheritance tax plan.

Term Assurance

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Term assurance is usually the most popular type of life insurance. It is used to cover mortgage payments when the policyholder passes away.

Our protection advisors in London will recommend the sum assured and term of the policy, which should be in line with your mortgage term. As long as you keep up-to-date with your monthly policy payments, the sum assured will be paid out if you were to die during the term.

The two different types of term assured mortgages are decreasing and increasing. Whilst selecting a policy, your insurance advisor will run through your options and help you make a decision as to which option would be best for your personal situation.

Family Income Benefit

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Family Income Benefit is an alternative to term assurance, where instead of the lump sum paid out as a whole upon the policyholder’s death, it is released in monthly instalments. This is a popular choice for families, particularly those with young children.

One of our insurance specialists in London will recommend a mixture of insurance types. This way, you and your family are getting the most out of your new policy.

Joint Life Insurance

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Those in relationships may consider a single-life policy that is shared between both parties. This policy will pay out in the event of one of you passing away.

This alternative will likely be cheaper than taking out two separate policies, however, the policy will only pay out once. It will pay out following the death of one policyholder, after that, the policy will end.

Death in Service

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Some employers may offer a Death in Service policy to their employees. This life insurance policy pays out a lump sum if the employee passes away whilst they are still working for the company.

It has nothing to do with whether the death happened in the workplace or in any way related to the job done. This cover will most likely end as soon as you leave the company.

Our Insurance Advice Service

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We make sure that every customer has an equal opportunity to take out life insurance advice, and that’s why our insurance review is completely free. It’s nice and easy to book an appointment with a protection advisor in London too!

During your insurance review, we will also take a look at other products that you could take out in conjunction with your life insurance policy. We’ll look at products such as critical illness and income protection.

Mortgage Guides & Londonmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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