Family life insurance pays out a lump sum to your family if you die to help provide financial support for your family. This is also known as 'Level Term Life Insurance' because the amount of cover will always remain level throughout the term of the policy.

Mortgage Life Insurance is specifically designed to pay out a lump sum to repay your mortgage if you die and protect your family home. This type of cover is also known as 'Decreasing Term Life Insurance' because the amount of cover reduces at a similar pace to your mortgage.

You can also protect your family and your home with a level term life insurance policy that can combine mortgage and family protection.

You can choose an amount of cover from £5,000 upwards to pay out to your loved ones if you die. We can use this as a guide for when our experts are generating your quotes for life insurance. If you're not sure then simply tell us what you think you might need and we'll help to guide you to find the most suitable and affordable cover. This is also known as the 'Sum assured' or 'cover amount'.

You can select a 'Term' for your life insurance which is the length of time that your policy will last for.

Mortgage life insurance will usually be the same amount of time that you have remaining on your mortgage. If you don't know the exact number of years left on your mortgage, then we just need an estimate for our quotes.

Family life insurance is often taken out up to retirement age for some people or to when you think that you children won’t be financially dependent on you. Some life insurance can also be taken out to age 90 if you want to cover a longer term.

Life insurance rules for smokers will include anyone who has smoked or used any form of nicotine replacement products in the past 12 months. Smoking products include cigarettes, tobacco, vaping, patches, cigars, and pipes. If you gave up smoking more than a year ago and no longer use any nicotine replacement products then you are classed as a non-smoker.