Life Insurance and Protection

Our advice is free

Recent statistics have shown that 65% of UK adults have no life insurance or protection cover in place* to protect home, family and lifestyle should the worst happen. Shocking isn’t it?

Further information on the protection we can advise on is below. These can be taken as standalone or combined policies.

Life Insurance and Protection

What types of cover can I get?

Life Insurance

Life Assurance

Designed to help make sure your family is financially protected if you pass away during the term of your policy. A cash sum could be paid out and used by your loved ones to help with everyday living expenses, child-care costs or help pay the mortgage.

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Critical Illness Cover

Critical Illness

Usually available when you buy life insurance and designed to pay out your chosen amount of cover if you are diagnosed with one of a large number of specified critical illnesses during the term of the policy

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Income Protection

Income Proteciton

Designed to replace your income with a monthly pay-out should you be unable to work due to injury or illness.

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Benefits

Enjoy peace of mind protection through our specialist advice service:

  • No-fees - Your consultation and advice is free and there is no obligation to buy
  • Review - A one-to-one consultancy to understand your protection needs
  • Choice - Whole of market search for the most suitable products for you
  • Independent - Specialist and unbiased advice from our advisors

Enquire today

It only takes a minute to complete the online enquiry form.

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Or if you’d prefer to call, ring us on 0800 032 5333.

Frequently Asked Questions

Life insurance - designed to help make sure your family is financially protected if you die during the term of your policy. A cash sum could be paid out and used by your loved ones to help with everyday living expenses, child-care costs or paying the mortgage.

Serious/Critical Illness Cover - usually available when you buy life insurance. It’s designed to pay out your chosen amount of cover if you are diagnosed with one of a large number of specified critical illnesses during the term of the policy.

Income Protection - designed to replace your income with a monthly payout should you be unable to work due to injury or illness.

In order to apply for cover you must be a UK resident and at least 18 years old at the time of applying.

Our independent advisers will search the whole of the market to find the most suitable cover for your individual needs. We’re not tied to one particular provider, which means we have access to the full range of products available and at competitive rates.

This depends on your individual circumstances and there are a few factors you may wish to consider. Our independent advisers will establish your needs by asking you a number of questions - this enables us to research the market so we can recommend the most suitable products for your requirements.

Most insurers will allow you to make changes to your policy during the term of the cover. These changes can include:

a different term length
increasing or decreasing amounts of cover
removing a life on joint life policies if cover is no longer required for that person
changing the frequency of your premium payments between monthly and annually

Yes, you can cancel your policy. However, before doing so, you should consider the implications of not having sufficient life insurance in place should the worst happen.

Yes, and this can help protect your beneficiaries from inheritance tax or helping to avoid probate.

* Statistic taken from The financial lives of consumers across the UK, key findings from the FCA’s Financial Lives Survey 2017. June 2018.

These advice services are provided by Mortgage Excellence Plc trading as Police Mutual, more information is available on our legal page.