Life insurance
Life insurance advice
Life insurance pays out if you die during the policy term. It can help the people who depend on you with a mortgage, living costs or other commitments.
Protection policies have terms, conditions and exclusions. Cover depends on the information you give the insurer being accurate and complete.
Choosing the cover
- Level cover pays a fixed amount.
- Decreasing cover reduces over time, often alongside a repayment mortgage.
- Single or joint policies, depending on your household.
Things to consider
Insurers ask about your health, lifestyle and occupation. Answering fully and accurately is important, as incorrect information can affect a claim. Policies have no cash value if you stop paying.
When to review
Consider a review when you move home, take on a larger mortgage, have children or your circumstances change.
Common questions
How much life insurance do I need?
It depends on your mortgage, debts, dependants and existing cover such as employer benefits. Charlene can help you work through it.
Related advice
Ready to talk it through?
Send an enquiry and Charlene will get in touch to understand your plans and explain what the next steps could look like.