Free tool
Life insurance calculator
How much life cover would your family need to clear the mortgage and keep living as they do now? Add up the costs and see the gap after the cover and savings you already have.
Ways to arrange cover
A single level policy is simple. Many families combine decreasing cover to match a repayment mortgage with family income benefit, which pays a monthly income for the rest of the term and is often cheaper.
Important information
Cover is subject to underwriting and the terms of the policy.
Talk to an adviser
Book your free first meeting
No obligation. We’ll listen, explain your options and only recommend what’s right for you.
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Q&A
Questions & answers
Should my life insurance be written in trust?
Usually yes. A trust means the payout can go to your family quickly, without waiting for probate, and normally keeps it outside your estate for inheritance tax.
Does death in service count?
Yes, include it, but remember it usually stops if you leave your job.
Your first meeting is free
Talk to an independent financial adviser in St Albans. Call 01727 223251 or send us a message.