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Life insurance – setting the record straight:


It’s too expensive

Not so. Life insurance is far less expensive than many people imagine. We can help you find a deal that fits your budget and you can always take out additional cover later on.

I’m too young to need cover

Protection policies aren’t just for older people. The younger and fitter you are when you take out a plan, the cheaper the premiums will be. Leave it too long and you could find yourself paying a much higher price.

I get cover at work — I don’t need more

The amount you’re covered for might not be sufficient for your needs, and if you change jobs, that will change too. Changes in health over time may also affect premiums. Plus, with your own policy, the cover can be tailored to your specific needs.

I’m not a breadwinner, so I don’t need insurance

The bill for replacing all the services homemakers provide – like cooking, cleaning and childcare – can amount to a hefty sum. If you weren’t around to provide these, then your partner could face considerable additional costs. Many people hope their family would rally round, but raising a family is costly and family members won’t have planned for the added expense.

I don’t have kids, so it’s not relevant to me

Whilst it’s true that there’s less need if you don’t have a family, how would your partner manage if you weren’t around to contribute to the bills?

There’s too much choice

It’s true there are lots of different types of policy, each designed to provide cover for specific risks. That’s where we can help. We can find the right type and level of cover to meet your insurance needs and your budget. We will spend time assessing your needs and have the specialist expertise and knowledge that’s needed to help ensure you get the right policy in place.

Published June 2019.

It is important to take professional advice before making any decision relating to your personal finances. Information within this document is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored advice and is for information purposes only.