Life insurance

Thecoveryourfamilyneeds.Explained clearly.

Most people put off thinking about life insurance. It's uncomfortable, it feels complex, and there's always something more pressing. But the conversation is shorter and simpler than you expect — and having the right cover in place changes everything for the people who matter most.

No advice fee — we're paid by the insurer if you proceed
Find out where you stand Speak with Nathan directly
△No cover in place at all
△Sum assured too low
△Joint policy instead of two singles
△Not written in trust
△Wrong insurer for health history
△Cover not reviewed after life changes
△No cover in place at all
△Sum assured too low
△Joint policy instead of two singles
△Not written in trust
△Wrong insurer for health history
△Cover not reviewed after life changes
FCA Regulated Whole-of-market access No advice fee
01 —
The conversation
most people
avoid having

Life insurance isn't about death.
It's about what happens to the people you love.

Nobody enjoys thinking about what happens if they're not here. But the discomfort of that conversation is trivial compared to the reality of a family left without financial protection. A mortgage that can't be paid. Income that disappears. A life that has to be rebuilt from scratch without the financial foundation that was supposed to be there.

The right life insurance policy changes that entirely — and it costs less than most people assume. The challenge isn't the cost. It's understanding which type of cover is right for your situation, which insurer will accept your health history, and what level of cover genuinely protects the life you've built. That's what we're here for.

"The right cover isn't the cheapest one on a comparison site. It's the one that actually pays out when it needs to — for the right amount, from the right insurer, structured correctly for your family's situation."

£0
Advice fee
Paid by the insurer, not you
1 in 4
Will suffer critical illness
Before retirement age
Whole
market
Insurer access
No single provider bias
0+
Years of experience
Complex health cases handled
Understanding your options

Three types of life cover.
One that's right for you.

Level term

Fixed sum. Fixed term.

Pays a fixed lump sum if you die within the policy term. The sum assured stays constant throughout — the same on day one as on the last day of the policy. Typically used to protect family income or cover a fixed financial obligation.

Best for
Income replacement for your family · Interest-only mortgages · Fixed financial liabilities · Highest flexibility on how the payout is used
Decreasing term

Reduces alongside your mortgage.

The sum assured reduces over the policy term — designed to mirror a repayment mortgage balance. Cheaper than level term for the same initial sum because the insurer's exposure reduces over time. The most common choice for mortgage protection.

Best for
Repayment mortgages · Capital and interest loans · Where the primary need is to clear the mortgage · Most cost-effective for pure mortgage protection
Whole of life

Guaranteed payout. No expiry.

Pays out whenever you die — there is no term and no expiry. The premium is higher than term assurance because a payout is guaranteed. Used primarily for inheritance tax planning, estate protection, or providing a guaranteed legacy to beneficiaries.

Best for
Inheritance tax planning · Estate protection · Guaranteed legacy to family · High-net-worth individuals with complex estate needs

Why most people are
underinsured.

The most common reason families are left without adequate cover isn't cost — it's never having had the conversation properly. A comparison site tells you a price. We tell you what you actually need and why.

60%
Of UK adults have no life insurance at all.Of those who do, many are significantly underinsured — particularly after major life events like buying a property, having children, or taking on a business.
£0
Our advice costs you nothing.We're paid a commission by the insurer if you proceed — which means the advice is free regardless of whether you take out a policy through us.
What good advice looks like
The right sum assured
Most people underestimate how much cover they need. We calculate the sum required to clear the mortgage, replace income for the years remaining until your youngest child reaches independence, and cover any additional financial obligations — before recommending any figure.
The right insurer for your health
Insurers underwrite health conditions very differently. A pre-existing condition that results in a loading with one insurer may be accepted at standard rates by another. We know which insurers are most favourable for specific conditions — and we approach them first, avoiding unnecessary declines that can affect future applications.
The right structure for your situation
Written in trust or not. Joint or single. Indexed or level. The structure of the policy determines how quickly a claim is paid, whether it forms part of your estate, and how it's taxed. We advise on this before placing any policy — not as an afterthought.
Reviewed as your life changes
A policy placed when you were single, renting, and without children is almost certainly inadequate now. We review protection for all clients at every mortgage review — because life changes, and your cover should change with it.
——
"The conversation is always short. The outcome of not having it is never short. That's the only thing worth understanding about life insurance."
Nathan Lawes — Director & Principal Adviser
What we do differently
01
No pressure. Ever.Protection advice is always offered, never pushed. We present the options, explain clearly, and let you decide. There is no quota, no target, and no commercial pressure to recommend one product over another.
02
Whole-of-market insurer access.We compare across the full market — not just the insurers who pay the highest commission. The recommendation is based on the best combination of price, terms, and insurer security for your specific situation.
03
Health conditions handled with care.Disclosing health conditions correctly is critical — both for the application to succeed and for any future claim to be paid. We guide you through the disclosure process carefully, ensuring accuracy without unnecessary anxiety.
04
Written in trust by default.A policy written in trust pays out directly to your beneficiaries without going through your estate — faster, without inheritance tax, and without the delay of probate. We set this up as standard, not as an optional extra.

Life insurance — the questions worth asking

Honest answers to the questions people ask when they're ready to take the conversation seriously — without jargon or pressure.

How much life insurance do I actually need?
The right sum depends on your specific circumstances — but a useful starting point is: enough to clear the mortgage, plus enough to replace your income for the years until your youngest child reaches financial independence. For a family with a £350,000 mortgage, two children under 10, and a combined income of £80,000, that figure is typically £600,000–£800,000 or more. We calculate this properly for your situation rather than recommending a generic multiple.
How much does life insurance cost?
Less than most people expect. A healthy non-smoker in their 30s can typically secure £500,000 of level term cover over 25 years for £20–£40 per month. The exact premium depends on age, health, smoking status, the sum assured, the term, and the policy type. We compare the full market to find the most competitive premium for your profile — and we do this at no cost to you.
I have a health condition. Can I still get life insurance?
In most cases, yes. Some conditions are accepted at standard rates, others result in a premium loading, and some may result in an exclusion for that specific condition. The key is knowing which insurers are most favourable for your specific health history — and approaching them correctly. Applying to the wrong insurer first can result in a decline that makes subsequent applications more difficult. We advise on this before any application is made.
What does written in trust mean and why does it matter?
Writing a life insurance policy in trust means the payout goes directly to your named beneficiaries — bypassing your estate entirely. This has three significant benefits: it avoids inheritance tax on the payout (which could be 40% of a large sum), it avoids the delay of probate (which can take months or years), and it ensures the money goes to exactly who you intend. We arrange trust documentation as a standard part of the advice process — at no additional cost.
Should I have joint life insurance or two single policies?
Two single policies is almost always the right answer, even though joint life cover appears cheaper. A joint policy pays out once — on the first death — leaving the survivor uninsured. Two single policies pay out twice, ensuring both partners are protected independently. The cost difference is typically modest. We explain this clearly before placing any policy and ensure the structure genuinely serves both partners.
What's the difference between life insurance and critical illness cover?
Life insurance pays out when you die. Critical illness cover pays out when you are diagnosed with a specified serious illness — such as cancer, heart attack, or stroke — regardless of whether you survive. Both are important, and they address different risks. Many people need both. We review your full protection needs — income protection, critical illness, and life insurance — and advise on the combination that provides the most comprehensive coverage for your budget.
No fee. No pressure. No obligation.

A short conversation
that protects
everything else.

Tell us about your situation — your mortgage, your family, your health — and we'll give you a clear picture of what cover you need and what it costs. The advice is free. The conversation takes less time than you think.

Find out where you stand Speak with Nathan directly

FCA regulated · Whole-of-market · Independent advice