• Life Insurance

    Life insurance cover ensures your loved ones are looked after should the worst happen.


It’s never nice to think about a time when we’re no longer here, but failing to plan for the event of an untimely death can leave loved ones financially devastated.

Don’t leave it to chance – be prepared.

One of the most common reasons that people invest in life insurance is to guard against financial insolvency. For instance, should a homeowner pass away before the full mortgage amount has been paid back, life cover guards their family against financial solvency, with the insurance paying off the remaining debt.

However, life insurance is not exclusive to just mortgage protection: cover can be taken out for a number of reasons – to protect your spouse in the event of a sudden loss of income, to reduce the burden of day-to-day living on your family after your death, or even to ensure that your child’s university fees are taken care of in your absence.

How much Life Insurance Cover do I need?

It all depends on your individual circumstances. For some, mortgage protection cover is sufficient – this is cover that lasts the duration of your mortgage. The cost will vary depending on the type of mortgage you have, i.e. repayment or interest-only.

When considering life cover, consider your personal circumstances and what you may need to cover, for instance:

• Your mortgage debt
• Your outgoing costs, such as childcare expenses
• The loss of income for your spouse

For some, a specific type of life cover may be preferable – for instance, life insurance for those over 50, geared towards helping towards expensive funeral costs, or contributing to a cash lump sum for your loved ones in the event of your death.

If you’re not sure how much life insurance cover you need, or if you’d like to explore other insurance options such as critical illness, our fully trained advisors at Future Cover would be delighted to help.

Our wealth of experience means you’ll be in good hands – and our dedication to getting you the right cover for the right price means you’ll never be oversold unnecessary life insurance cover.


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