Life Insurance
Our life insurance solutions provide financial security, ensuring your family is protected when it matters most. Let us help you find the right cover for your needs, giving you peace of mind for the future.
Protecting What Matters Most.
Life is unpredictable, but your loved ones’ financial security doesn’t have to be.
Life insurance provides peace of mind, ensuring that in the event of your passing, your family is financially protected. Whether you want to cover outstanding debts, replace lost income, or leave a financial cushion for your family, we can help you find the right solution.
Cover Options
We have coverage options to suit everyone's needs.
Explore our cover options using the shortcut buttons below.
What Is Life Insurance & How Does It Work?
Life insurance provides financial support to your loved ones when you're no longer here.
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If you pass away or are diagnosed with a terminal illness during the policy term (subject to the provider’s terms and conditions), your life insurance will pay out a lump sum. This can help cover essential costs, support your family in maintaining their lifestyle, and ensure financial commitments are met.
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You choose the level of cover and the length of the policy, giving you full control over how it fits with your life and financial goals.
Why Should I Consider Life Insurance?
We all know the saying, "Life is for living," and that couldn’t be more true.
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Yet, life can be unpredictable, and losing someone dear to us is one of the hardest challenges we face. In those moments, financial worries should be the last thing on your mind.
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From our experience, many people find that the first and most immediate concern is covering funeral costs. But what happens next? If a partner’s income is lost, how will the mortgage be paid? How will household bills be covered?
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None of us can predict when life will take an unexpected turn, but we can be prepared.
At LifeAdvice UK, our specialists are here to help you find the right protection, ensuring your loved ones are financially secure - no matter what life brings.
Making a Claim
If the worst happens, making a claim is simple and straightforward:
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✔ Contact the insurer to notify them of the claim
✔ Provide the necessary documents, such as a death certificate or medical reports
✔ Claim assessment and approval – The insurer reviews the documents and processes the claim
✔ Receive the lump sum payout, ensuring financial support for your loved ones
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With the right policy in place, the payout is handled efficiently, providing peace of mind and financial security when it’s needed most.
Types Of Cover
Level Cover: The payout amount remains fixed, or increasing throughout the policy term.
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Decreasing Cover: Designed to align with mortgage repayments, reducing over time, or may pay an income on an annual basis over a time period.
Who Can Apply?
​Most UK residents aged 18 to 79 can apply for life insurance.
Policies can be taken out as single or joint cover depending on your needs.
Why Us?
✔ Affordable premiums to fit different budgets
✔ Flexible policy terms to match your financial goals
✔ Comprehensive protection with added benefits at no extra cost
Guaranteed Life Plans
Fully medically underwritten plans will always be the most cost-effective and appropriate type of cover. Sometimes, there are too many medical conditions to enable you to have this type of cover.
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A Guaranteed Life Plan goes a long way to providing valuable cover in the event of death. With bolt-on options, such as accident and sickness and cancer cover, as an added benefit.
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All that's needed are the answers to a few simple questions.
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Guaranteed premiums throughout the plan; smoker and non-smoker rates apply.
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There is the option to choose 1 of 3 levels of cover.
Types Of Cover
Level Cover: The payout amount remains fixed, or increasing throughout the policy term.
Who Can Apply?
​Most UK residents aged 18 to 55 can apply for a guaranteed life plan.
Over 50's Life Plans
Over 50's whole of life means a guaranteed benefit in the event of death due to an accident or an illness after 2 years of the inception of the policy.
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Accident benefit is only payable during the first 2 years up to a maximum of £45,000 - in the event of death due to an illness, 150% of the premiums will be refunded.
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After the age of 90, you will no longer pay any policy premiums - but you will remain fully covered by your policy.
Types Of Cover
Whole of Life: The payout amount remains fixed throughout the policy term.
Who Can Apply?
​Most UK residents aged 50+ can apply for an over 50's guaranteed life plan.
