We can help you with Life Insurance
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Planning Ahead with Whole of Life Assurance

Life’s unpredictable, but your financial plans don’t have to be. Whole-of-life assurance offers a way to provide lasting security for your loved ones, ensuring they’re taken care of no matter what. Let’s explore what makes it a solid choice for those who want to plan beyond the immediate future.

What Is Whole of Life Assurance?

Unlike term insurance, which covers you for a set period, whole of life assurance guarantees a payout whenever you pass away. While it’s typically more expensive, it provides peace of mind knowing your loved ones will receive a financial cushion when they need it most.

This type of policy is ideal for those who:

  • Want to leave an inheritance or a financial legacy for family or friends.
  • Have ongoing financial commitments or wish to cover future expenses like estate taxes.

Is Whole of Life Assurance Right for You?

Choosing the right cover depends on your unique situation. Here are a couple of scenarios to consider:

  • If your main goal is to support your children while they’re still financially dependent, a term life insurance policy might make more sense.
  • However, if you’re looking to ensure a sum of money for your loved ones, regardless of when you pass, a whole-of-life policy could be the perfect fit.

Think of it like this: Are you planning for short-term peace of mind or long-term impact?

How We Can Help

Figuring out insurance doesn’t have to be overwhelming. Our friendly mortgage and protection advisors are here to make it simple and stress-free. We’ll:

  • Chat with you about your goals and needs—no jargon, just straightforward advice.
  • Compare whole-of-life assurance quotes from top UK providers to find a policy that works for you.
  • Help you strike the right balance between coverage and cost.

We’re here for you 7 days a week, ready to meet or chat whenever it’s convenient. Let’s work together to find the assurance that fits your life.

Let’s Talk

Not sure where to start? That’s okay! Reach out today and let’s discuss what matters most to you. Whether it’s protecting your family’s future or leaving a meaningful legacy, we’re here to guide you every step of the way.

Life’s too short to leave important decisions for later. Ready to explore your options? Connect with us now and take the first step toward lasting peace of mind.

We can help you with Life Insurance
Contact us today for a friendly chat
Contact Us
We can help you with Life Insurance
Contact us today for a friendly chat
Contact Us

Getting you the right mortgage
We are confident that we can find you a lender, but you may not feel it’s the right mortgage for you. Whether the repayments are too high, or the deposit requirement is too much, we will help you to understand what you need to do, to get the right deal.

No broker fee mortgage
We appreciate the financial benefits of a mortgage from a high street lender, so will help our clients understand what it takes to get one.  Once their credit file is repaired and the mortgage we previously arranged for them is up for renewal, we will help them celebrate their successful application with a high street lender, by waiving our broker fee.


Can’t find what you are looking for?
Call us or complete the form on our contact page with any questions
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FAQs

If you have questions about getting a mortgage with an adverse credit score, read our FAQs. Our wealth of knowledge within this market means that we’re confident in our ability to offer specialist mortgage advice and secure the mortgage you want regardless of your credit history.

Read more FAQs
Do I need life insurance to get a mortgage?
While it’s not mandatory, life insurance for your mortgage ensures your family can pay off the mortgage if something happens to you, giving peace of mind and financial security.
Can I get life insurance with bad credit?
Yes. Many insurers offer life insurance for people with adverse credit, so your past credit issues don’t automatically prevent you from protecting your mortgage.
What type of life insurance is best for my mortgage?
Options include decreasing term insurance (covers mortgage balance) or level term insurance (fixed payout). We help you choose the best type for your circumstances.
How much life insurance cover do I need for my mortgage?
Typically, cover should match your outstanding mortgage balance and any additional financial commitments, ensuring your family can maintain their lifestyle if you’re no longer there.
Can I include critical illness in my life insurance policy?
Yes. Many policies allow you to add critical illness cover, providing extra protection in case you’re diagnosed with a serious condition like cancer or heart disease.