Life insurance – separating fact from fiction

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. 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 wider family would rally round, but raising a young family is costly, and relatives won’t have planned for the added expense.

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 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?

I’m too young to need cover

Protection policies aren’t just for older people, and 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.

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.