Life Insurance.

Whether you need protection for your mortgage, your family, or your income, we'll help you find the cover at the right price. We don't charge a fee.

Book a free consultation How it works
Trusted UK insurers No broker fee FCA Regulated
Overview

What is life insurance?

Life insurance pays out a lump sum or regular income if you die or are diagnosed with a serious illness during the policy term. It's there to protect the people and things that depend on you, whether that's paying off a mortgage, replacing lost income, or simply giving your family breathing room.

How we help

Find the right cover

We'll look at policies from a range of trusted UK insurers and match you with cover that fits your situation, your budget, and the people you want to protect.

Professional advice

You'll have your own dedicated adviser who'll explain the different types of cover, what's included, and what isn't, so you can choose with confidence.

Our service is free

Our advice is free, with no obligation. We're paid by the insurer if you decide to go ahead, so there's no cost to you.

Who it's for

This service is ideal if you're…

Taking out a new mortgage and want to protect it
Starting a family or just had a baby
Reviewing existing cover to make sure it's still right
Self-employed and want to protect your income
A business owner looking to protect key people

Get Cover in 3 Steps

From first call to cover in place, we handle the full application process for you.

Step 01

Tell us what you need

Get in touch and share your situation. We'll listen, ask the right questions, and explain your options clearly. No jargon, no pressure.

Step 02

We search the market

Our advisers compare policies from a range of trusted UK insurers to find the right cover for your situation.

Step 03

We handle the full application

From paperwork to the policy going live, we manage the full application on your behalf.

Swipe or tap a card

What our clients say

★★★★★

"Leo assisted me with my BTL mortgage and has been extremely helpful. He managed to get me a great rate and I was happy with the outcome."

S
Saurabh
Director, ARB Accountants
★★★★★

"He was able to assist us with both commercial and residential mortgages and has always managed to get us a good rate."

G
Gerald
Director, Actarus Services
★★★★★

"This is our first time using the mortgage services. We are happy with the outcome and would definitely use him again."

L
Louis & Weslei
Directors, Welo Curtains

Let's have a chat

No obligation, no cost. Just honest advice about your options.

FAQ

Common questions

What types of life insurance are there?
The main types are level term (pays out a fixed amount if you die during the policy term), decreasing term (the payout reduces over time, often used alongside a repayment mortgage), and whole of life (covers you for your whole life rather than a fixed term). There's also critical illness cover, which pays out if you're diagnosed with a specific serious illness listed in the policy. We'll walk you through how each one works so you can get a clearer sense of what's available.
How much cover do I need?
It depends on what you're looking to protect. As a general guide, people often think about their outstanding mortgage, a multiple of their annual income to replace earnings for their family, and any other debts. Everyone's situation is different, and we'll walk you through the factors that tend to shape this decision.
How much does life insurance cost?
Premiums vary quite a bit depending on your age, health, lifestyle, the amount of cover, and the length of the policy. As a general pattern, younger and healthier applicants tend to pay less. We'll gather a few details and come back with indicative quotes from several insurers so you can get a feel for the market.
Does it pay out if I have an existing health condition?
It might. When you apply, insurers ask about your medical history, and depending on the details they may adjust the price, exclude certain conditions, or in some cases decline to cover. It's worth noting that non-disclosure at the application stage can invalidate a policy later, so accuracy matters. We'll point you towards insurers who are more likely to consider your circumstances.
What's the difference between life insurance and critical illness cover?
Life insurance pays out if you die during the policy term. Critical illness cover pays out if you're diagnosed with a specific serious illness listed in the policy, such as certain cancers, heart attacks, or strokes. It's common for people to take out both alongside each other.
Do I need life insurance if I have a mortgage?
Lenders don't usually require it as a condition of the mortgage, though most people taking out a mortgage choose to have some form of cover in place so the loan could be paid off if something happens to them. Whether it makes sense for you depends on your circumstances, and we'll walk you through the considerations.
What's the process for getting cover?
It usually starts with a free call to understand your situation, who you want to protect, and any existing cover you have. We'll then research policies from a range of insurers and present you with the options that fit. If you decide to move forward with one of the options we present, we'll manage the application through to the policy going live. Our service is always free.
Do you charge a fee?
No, we don't charge a fee. We're paid by the insurer if you go ahead, so there's no cost to you.

Important Information

Your home may be repossessed if you do not keep up repayments on your mortgage.

Moneybox Financial Management is a trading name of Moneybox Financial Management Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Moneybox Financial Management Limited. Registered Office Address: 1386 London Road, Leigh On Sea, Essex, England, SS9 2UJ. Registered in England Number: 10974334.