If the worst happened, would your family be OK?

A mortgage means a financial obligation that doesn't pause if you die. Life insurance is the fix, and it costs less than people often think. I'll find the right type and amount for your situation.

Initial consultations are completely free of charge. There's no obligation to proceed and there is no fee for protection advice.

Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of a claim, declining to pay all of the claim or possibly declaring the policy invalid.

• Level, decreasing and family income benefit
• Whole of life cover
• Joint or single life policies
• Relevant Life plans for directors (tax-efficient)
• Written in trust for faster, tax-free payout

Life insurance pays out a lump sum, or a regular income, to the people you choose if you die while the policy is running. People generally take it out so a mortgage can be cleared or household income replaced, meaning the family is not forced to move at the worst possible moment.

What it costs depends mainly on your age, your health and how much cover you want for how long. The differences between insurers are bigger than people expect, which is the part worth talking through before you commit to anything.

Talk to me before you decide anything.

Free call, no commitment. I'll give you the honest picture and a recommendation that's right for you.