If your family lost your income tomorrow — would they be able to stay in their home? Life insurance is how you protect the people who depend on you, not just the mortgage.
We help UK families work out the right type and amount of cover before comparing policies — specialist advice, not a quote factory.
No obligation · FCA regulated advice · Whole-of-market protection advice
~98%
Claims paid*
From £10
Per month*
20+
UK insurers
*Subject to underwriting and policy terms.
“Life insurance protects people who depend on you — but only if it's set up correctly. Before comparing quotes, let's work out what you actually need.”
You came here because you're thinking about what happens financially if you die. The review starts there. If you want, you can also include serious illness or being unable to work.
You'll start with a review of your existing protection. We'll only discuss new cover if we identify a gap that's worth exploring.
Adviser-led financial exposure review — not a product quote or comparison.
Verified Client Reviews
Arranged Last 12 Months
Experience
Reference: 989177
Finance made easy.
See where this cover sits in your wider protection plan — each layer protects something different.
Protect your family's future if you die.
Protect against serious diagnosis while you're alive.
Protect your monthly income if you cannot work.
Bring life, CI, and IP together for your household.
Cover directors, shareholders, and key people.
We always review your existing protection first. Where new cover is appropriate, we'll compare suitable options from a wide range of UK protection insurers to help find the right protection for your circumstances.
…and access to many other leading UK protection insurers.
We're specialists in protecting families — personalised recommendations, not automated quote rankings.
Long-standing protection advice for families, homeowners, and business owners.
Authorised advice with clear accountability — reference 989177.
Whole-of-market research — not a single-provider comparison site.
Cover shaped around dependants, income, mortgage, and existing policies.
We check whether policies should be written in trust and whether you are duplicating cover.
Life changes — new children, remortgages, divorce. Cover should change with you.
Life insurance isn't for everyone — but for these groups it provides essential protection.
If you die, the mortgage doesn't disappear. Cover can clear the debt so your family keeps the home.
Cover type: Decreasing or level term
Children need years of financial support. Life cover replaces your income during their most vulnerable years.
Cover type: Level term
If your lifestyle depends on both incomes, losing one forces drastic change. Life cover provides a buffer.
Cover type: Joint or single life
The right structure depends on whether you are protecting a mortgage, replacing income, or both.
| Feature | Level term | Decreasing term | Family income benefit |
|---|---|---|---|
| Fixed payout amount | |||
| Mortgage protection | Good | Excellent | Fair |
| Family income replacement | Excellent | Fair | Excellent |
| Typical cost | Higher | Lower | Medium |
| Pays monthly income to family | |||
| Suits repayment mortgage | Good | Excellent | Fair |
Without cover, your family faces difficult decisions at the worst possible time.
Without your income, mortgage or rent payments may become unaffordable. Selling under pressure rarely achieves full value.
Education, activities, and stability — everything may need to be reconsidered.
Even while grieving, your partner may have no choice but to find income immediately.
A payout can clear the mortgage, removing the biggest monthly expense immediately.
Extra funds give your family breathing room to grieve without financial panic.
Children's education and your partner's choices — protected by the security you put in place.
Answer the questions most families struggle with — before you speak to an adviser.
Work out a realistic sum for mortgage, bills, and dependants.
Use calculatorSee which structure fits your mortgage and family needs.
Compare optionsAvoid probate delays and potential inheritance tax on payouts.
Read guideMatch term length to mortgage end date and children's independence.
Get personalised viewEssential for many families — but only if it's the right type and amount. Find out before comparing quotes.
You'll start with a review of your existing protection. We'll only discuss new cover if we identify a gap that's worth exploring.
No obligation · FCA regulated · Whole-of-market advice
These errors leave families underprotected or paying more than they need to.
Clearing the debt is just the start. Your family still needs income for bills, food, and children's expenses.
Bank policies often cost more for less cover. Independent advisers access better rates from the whole market.
Without a trust, payouts can go through probate — months of delay and potential inheritance tax. Trusts are usually free.
Missed payments can void your policy. Review annually that cover still matches your needs.
From first conversation to policy in force — transparent steps, no pressure.
Understand your family, mortgage, income, and what you want to protect.
Health, occupation, budget, and any existing life or critical illness cover.
Compare insurers for price, definitions, and trust options — not just the cheapest quote.
Level, decreasing, joint or single life — with amounts explained in plain English.
We handle underwriting questions and chase the insurer on your behalf.
Confirmation, trust paperwork where needed, and annual review reminders.
Anonymised examples — how we match cover to real family situations.
Recommended cover
£350,000 decreasing term + £200,000 critical illness
Why this suited them
Decreasing term aligned to the mortgage; critical illness lump sum for immediate costs if diagnosed with a serious condition.
Recommended cover
Two single-life level policies + income protection
Why this suited them
Separate policies avoid a joint-life payout ending all cover after first death; IP protects earnings while alive.
A simple framework we use with every client — work through each step in order, then review what you already have.
Life, critical illness and income protection do different jobs. Use these pages to connect the next question.
A lump sum if you survive a serious diagnosis — not the same as life cover.
Read moreReplace income if you cannot work — the gap life insurance does not fill.
Read moreOne household view of life, critical illness and income protection.
Read moreCheck whether life insurance should be the priority for your family.
Read moreReviewed by Jay Sabine, Mortgage & Protection Adviser — a real FCA-regulated adviser at Your Home Finance.
Life insurance is the one policy where people usually get the basics right — they know they need it for the mortgage. Where they go wrong is stopping there. The mortgage is just the debt. What about the income your family loses?
I often recommend level term on top of decreasing term for the mortgage. Level term gives your family a lump sum that can replace years of lost income — or simply give them time to adjust without rushing back to work.
And always write it in trust where appropriate. It costs nothing, takes minutes, and can save your family months of probate delay.
— Jay Sabine, FCA-regulated Mortgage & Protection Adviser, Your Home Finance
Answer a few questions and we'll tell you whether life insurance should be a priority — and what type would suit you best.
We're experts in protecting families — not just selling policies.
You'll receive a clear priority summary and the option to speak with an adviser — no obligation.