Life Insurance
What Is Life Insurance?
Life insurance pays a tax-free cash lump sum to your loved ones if you die during the policy term. The money can be used however your family needs it — clearing a mortgage, covering everyday bills, paying for childcare, or funding a funeral. For most households, it's the simplest way to make sure your family doesn't face financial hardship on top of grief.
There are two main types: term life insurance (cover for a fixed number of years) and whole-of-life insurance (cover that lasts for the rest of your life). Within term cover you can choose level term (the payout stays the same) or decreasing term (the payout falls over time, typically alongside a repayment mortgage). Sums insured of up to £1,000,000 are available, with term lengths up to 40 years for applicants aged 18–70.
UK Sure is an FCA-regulated insurance broker. We'll help you pick the type of cover, the sum assured, and the term that matches your mortgage, your family, and your budget. Get a quote online or call 01323 416706.
Why Our Life Insurance
What's NOT Covered
Key Features of Our Life Insurance
Life insurance is the safety net that stops grief being compounded by financial disaster. One monthly premium buys your family the breathing room to pay the mortgage, stay in their home, and get through the months and years after.
Up To £1 Million Cover
Sums assured scale to match your mortgage, your children's education, and the income you'd want to replace.
Terms Up To 40 Years
Lock in cover while your children are growing up or your mortgage is being paid down — then let it run off when the need is gone.
UK Sure compares life insurance from a panel of UK insurers, so you get a policy matched to your age, health, and circumstances rather than a one-size-fits-all rate.
Frequently asked questions
1. How much does life insurance cost?
Monthly premiums depend on your age, health, smoker status, the cover amount, and the length of the policy. Healthy non-smokers in their 30s can often get substantial cover for the price of a takeaway coffee per day. Call 01323 416706 for a personalised quote.
2. How much cover do I need?
A common rule of thumb is enough to clear any mortgage, plus 10× your annual salary to support dependants. In practice it depends on your debts, how many children you have, whether your partner works, and what you want to leave behind. We'll help you work out a realistic figure.
3. What's the difference between term and whole-of-life?
Term life insurance covers you for a fixed period (e.g. 25 years to match a mortgage) and only pays out if you die during that term. Whole-of-life insurance covers you for the rest of your life and always pays out — so premiums are higher. Term is the more common choice for families with young children or a mortgage.
4. Does life insurance pay out for terminal illness?
Most policies include terminal illness cover at no extra cost: if you're diagnosed with a condition expected to cause death within 12 months, the policy pays the full sum assured early. The exact wording varies between insurers.
5. Should my life insurance be written in trust?
Often yes. Writing a policy in trust means the payout goes directly to your beneficiaries, outside your estate — avoiding inheritance tax and speeding up the payment. It doesn't cost anything to set up a trust alongside a policy. We can explain how it works for your situation.
6. Will my employer's death-in-service benefit be enough?
It's a good starting point but usually not enough on its own. Death-in-service is typically 2–4× salary and stops if you change jobs. A personal life insurance policy stays with you regardless of employment and can be sized to fully cover your mortgage and family needs.