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Life insurance offers your family financial security and peace of mind, helping them stay protected if the unexpected happens. Here’s how it can make a difference:
Ensures your loved ones can maintain their lifestyle, covering essentials like groceries, bills, and household costs even if you’re not there to provide for them.
Helps clear outstanding financial commitments such as mortgages, loans, or credit cards, so your family isn’t burdened by repayments during a difficult time.
Provides funds for your children’s education or other long-term goals, ensuring their future is secure and uninterrupted.
Supports your family with the costs of funeral arrangements and other end-of-life expenses, easing the financial and emotional strain.
Offers the ability to choose from term life insurance, whole-of-life coverage, or add-ons like critical illness protection, so your policy is tailored to your needs and circumstances.
Life insurance in the UK gives families reassurance that bills, mortgages, and other financial responsibilities will be taken care of, even if the unexpected occurs.
Life insurance is a type of financial protection that provides a lump sum to your family or dependents if you pass away during the policy period. In the UK, it’s designed to give peace of mind by helping cover things like mortgage payments, everyday bills, or other financial obligations.
Life insurance provides security by having you pay regular premiums to an insurer in exchange for a payout if you pass away during the policy term. This tax-free lump sum goes to your chosen beneficiaries and can help pay off debts, such as a mortgage, replace lost income, or support your family’s day-to-day expenses. Policies vary — for example, term life insurance covers a specific period, while whole-of-life insurance offers coverage for your entire lifetime.
Life insurance acts as a financial safety net for your loved ones if you were to pass away. For example, if you are the main income earner for a family, a policy can help replace your earnings with lump sum, reducing financial stress during a difficult time. The payout can cover everyday bills, mortgage repayments, education costs, or outstanding debts. Additionally, it can provide a lasting legacy, whether supporting your family or contributing to a charity you care about.
Life insurance can provide financial protection for your family in several ways:
Support for your family: A payout if you pass away during the policy term, helping with daily living costs and bills.
Terminal illness benefit: Many policies include an early payout if you’re diagnosed with a terminal condition, giving your loved ones extra security.
Debt protection: Cover outstanding loans, mortgages, or other financial obligations.
Funeral expenses: Assistance with end-of-life costs to ease the burden on your family.
Optional extras: Some plans allow add-ons, such as critical illness cover, for broader protection.
*£5 per month Life Insurance quoted rates are based on decreasing term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 4th February 2026.
£151,654 over 20 years - 30 year old born in 1996 (Aviva)
£108,171 over 20 years - 35 years old born in 1991 (Aviva)
£80,221 over 15 years - 40 year old born in 1986 (Aviva)
£49,356 over 15 years - 45 year old born in 1981 (Aviva)
£40,167 over 10 years - 50 year old born in 1976 (Aviva)
£26,754 over 10 years - 55 year old born in 1971 (Aviva)
£15,314 over 10 years - 60 year old born in 1965 (Aviva)
£10,314 over 10 years - 65 year old born in 1961 (Aviva)
£5,603 over 10 years - 70 year old born in 1956 (Aviva)
*£10 per month Life Insurance quoted rates are based on decreasing term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 4th February 2026.
£477,678 over 20 years - 30 year old born in 1996 (Aviva)
£346,996 over 20 years - 35 years old born in 1991 (Aviva)
£262,162 over 15 years - 40 year old born in 1986 (Aviva)
£166,343 over 15 years - 45 year old born in 1981 (Aviva)
£127,667 over 10 years - 50 year old born in 1976 (Aviva)
£73,245 over 10 years - 55 year old born in 1971 (Aviva)
£34,265 over 10 years - 60 year old born in 1966 (Aviva)
£20,488 over 10 years - 65 year old born in 1961 (Aviva)
£11,200 over 10 years - 70 year old born in 1956 (Aviva)
