Why life insurance is for everyone

Life insurance can be a crucial safety net for people at all life stages, but fewer than four in ten currently have a policy in place in the UK*. If you are one of the 63% without life insurance, have you considered whether your loved ones would cope financially should the worst happen to you?

Come what may

Thinking about the world you’ll leave behind can be an uncomfortable topic. But it is worth it to know that your loved ones will be well looked after once you are no longer around.


Life insurance is a commitment to the future. Making a monthly payment for something you will never see the fruit of requires long-term thinking. With life insurance, you have the certainty that you are putting in place a solid support system that your loved ones will be able to count on in challenging times.


Peace of mind

Life insurance is a choice that brings you peace of mind and ensures your loved ones’ lifestyle and aspirations remain unaffected by money worries. So, why are so many choosing not to be covered?


For some, there is a misconception that life insurance does not provide good value for money. Of those that do not hold a life insurance policy, 35% believe that policies are too expensive. In fact, life insurance policies can start from a few pounds a month.


With incomes squeezed for many, others are trying to make savings; indeed, some think that stopping life insurance is an easy way to cut down on monthly outgoings. Yet, the consequences of giving up a policy in the long term far outweigh the savings in the short term.


More than a lump sum

While every type of insurance has its place and offers important protection, life insurance is unique in providing certainty for your loved ones once you are no longer here.


It is crucial to consider that life insurance offers more than the financial lump sum your loved ones receive upon your death. It means your final days won’t be spent worrying about your family’s finances and allows you to focus on living your life as you wish.


Start sooner to pay less

With a term life insurance policy, you’ll have peace of mind that your loved ones will have the money they need to get by if the worst happens. This may seem like a long-term prospect, especially for some younger people, but we all know that life can be unpredictable.


Moreover, if the price tag has been putting you off, it is important to remember that the sooner you start your cover, the cheaper your monthly payments tend to be.


Here to listen

We know it’s not always easy to talk about life insurance and we know that everyone has unique requirements. That’s why we take the time to listen and help you find the right cover for your circumstances. Get in touch today!


As with all insurance policies, conditions and exclusions will apply



*Direct Line, 2022

19 December, 2023

More news

15 April, 2024

Only 2 in 10 UK homeowners have income protection (1), even though it’s likely to be needed at som
Don’t rely on savings or sick pay With income protection, you wouldn’t need to use savings if you were off work. Besides, 42% of working adults think their savings would only last them for up to

9 April, 2024

Getting onto the property ladder continues to be a challenge for younger generations, as 63% of firs
The cost of buying a home is significantly more expensive than a decade ago for the average FTB, who is 32 years old. For those purchasing their first home, deposits are an average of 67% higher than

4 April, 2024

Death rates are still higher than pre-pandemic¹ levels, yet 48% of adults aged 18-40 do not have li
  Research has found that, in Great Britain, a premature death can cost surviving family members an average of £195,475 over the course of ten years2. These estimates are based on the hypothetic