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A lump sum that clears the mortgage
Life insurance pays out if you die during the term, giving your family a lump sum to clear the mortgage and carry on without a financial shock on top of everything else. It is usually the first cover people put in place.
Straightforward cover, priced fairly
Sized to your mortgage
At a minimum, enough to clear the balance so the family keeps the home.
Honest health questions
Answering fully upfront is what makes a claim pay smoothly later. We guide you through it.
Trust set up for you
We help arrange the trust so the money reaches the right people quickly and cleanly.
Enough to clear the debt and steady the ship
Most people set the cover to at least clear the mortgage, then add a bit more so the family is not forced to sell or scramble. You pick the amount and the term, and we find the right insurer for your health and budget.
- Decreasing or levelMatch a repayment mortgage with decreasing cover, or keep it level to leave extra behind.
- Written in trustPutting the policy in trust usually keeps the payout out of your estate and speeds it up.
- Joint or singleWe compare two single policies against one joint policy, because two singles often pay out better.
Questions we hear a lot
A common starting point is enough to clear the mortgage, with extra to cover a few years of household costs. We help you land on a figure that fits your family rather than a round number.
Usually yes. Writing life insurance in trust typically keeps the payout outside your estate for inheritance tax and gets the money to your family faster. We set it up for you at no extra cost.
Two single policies often work out better than one joint policy, because they pay out twice and can be kept if you separate. We compare both for your situation.
Handy next steps
Put the safety net in place
Tell us your mortgage and your family setup, and we will find cover that fits both.