_edited.png)
Life Cover to Protect the People You Love
Life changes quickly, and not always in ways we expect. Life insurance helps you protect the people who rely on you. It can provide a tax-free payout if you die or if you are diagnosed with a terminal illness with a life expectancy of less than 12 months.
​
A life insurance policy can give your family a lump sum to clear debts, including your mortgage. Some policies can pay a monthly income instead of a lump sum. This can support household bills, childcare, or day-to-day expenses when income becomes uncertain.
​
Many clients choose to combine life cover with Critical Illness or Income Protection. These plans can offer extra support during illness or loss of earnings, helping you stay financially secure through difficult moments.
Protection Matters
We start by understanding your financial goals and needs. Our experts analyze your situation to provide tailored mortgage solutions that fit your requirements.
After a thorough review, we offer personalized recommendations. We present you with the best mortgage options available, ensuring you make an informed decision.
Once you've chosen a mortgage, we assist you in finalizing the paperwork and securing your loan. We handle the process efficiently, making your experience seamless.
Why Choose Greenshoots Financial
We help clients across the UK arrange life insurance that fits their needs and budget. Our advice is independent, which means we review the full market rather than a limited panel of insurers. We support clients in a wide range of situations, including those who have:
​
-
Pre-existing medical conditions
-
Been declined for cover
-
Been offered a policy that excludes a hobby or activity
-
Had exclusions applied due to medical history
-
Been told their job cannot be covered
-
Seen premiums increased due to risk loading
We guide you through the full process. Once your policy is in place, we stay in touch to help you review your cover when circumstances change. This keeps your protection aligned with your needs over time.
Types of Life Insurance
Level Term Life Insurance
​
Pays a fixed lump sum if you die during the policy term. Often used for interest-only mortgages or to give your family a stable level of financial security.
​
Decreasing Term Life Insurance
​
Designed for repayment mortgages or debts that reduce over time. The payout falls each year in line with your financial commitments.
​
Family Income Benefit
​
Provides a regular tax-free monthly income rather than a single lump sum. Ideal when dependants need ongoing financial support.
Whole of Life Insurance
A guaranteed payout whenever death occurs. Commonly used to help with funeral costs or to leave a financial gift.
Who May Need Life Insurance?
Life insurance may be worth considering if you:
​
-
Have children or anyone who depends on your income
-
Have a mortgage or joint financial commitments
-
Want to leave money to help with funeral costs or meet an inheritance tax need
-
Are self-employed or do not receive employee benefits
We help you work out the type and level of cover that suits your personal circumstances.
How Much Does Life Insurance Cost?
Premiums vary depending on individual factors. These include:
​
-
Age
-
Health and lifestyle
-
Medical history
-
Smoking status
-
Type and amount of cover
Many people are surprised at how affordable life insurance can be. Policies can start from around £5 per month, depending on your circumstances.
​
We can provide personalised quotes across a wide range of insurers to help you find suitable cover within your budget.
​
Please note that life insurance policies do not have a cash-in value and will end if premiums stop.
