Life InsuranceProtect the People Who Matter
Life insurance can help your loved ones manage financially if you die during the policy term. We’ll help you understand your options and compare suitable cover, explained in plain English.
- Honest, straightforward advice
- Cover tailored to your needs
- No-obligation review
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What is life insurance?
Life insurance pays a lump sum if you die during the policy term, provided the policy terms are met. You choose how much cover you want and for how long.
The payout can give your family breathing space to cover everyday costs, repay a mortgage or meet other commitments you’d have helped with.
Terminal illness benefit
Many life policies can pay out early if you’re diagnosed with a terminal illness that meets the policy’s definition. Check the terms for how this works.
How life insurance can help
A payout could help the people who depend on you keep things steady.
Family expenses
Help with bills, childcare and everyday living costs.
Your mortgage
Help to repay or reduce what’s owed on your home.
Other commitments
Support with loans, school costs or other plans you share.
Level or decreasing cover?
The two most common types of term life insurance work in different ways.
Level term
The amount of cover stays the same for the whole term. It’s often used for family protection or an interest-only mortgage.
Decreasing term
The amount of cover reduces over the term and is often used alongside a repayment mortgage. It may not exactly match your outstanding balance, and premiums don’t necessarily fall as cover reduces.
Life insurance doesn’t usually have a cash value. If you stop paying premiums, your cover ends.
Choosing your cover
A few decisions shape your policy and its cost.
How much cover
Think about your mortgage, debts, family costs and any savings.
How long for
Often until your mortgage ends or children are independent.
Joint or separate
Cover two people on one policy, or each on your own.
Joint or separate policies?
A typical joint first-death policy pays out once, when the first person dies, and then ends. The surviving partner would have no cover unless they arrange a new policy.
Two separate policies can each pay out, which may suit some couples better. We’ll explain the differences so you can choose what fits.
- Joint first-deathOne policy, one payout, then cover ends.
- Separate policiesEach person is covered and each policy can pay out.
- Cost and flexibilityWe’ll compare both so you can weigh them up.
Important to know
Terminal illness benefit and critical illness cover are not the same thing.
Terminal illness benefit
Usually part of a life policy. It may pay the life cover early if a terminal diagnosis meets the policy’s definition.
Critical illness cover
A separate or added benefit that may pay out for specified serious illnesses. About critical illness cover.
Answer accurately
Incorrect or missing information when you apply could affect a claim.
No cash value
Term life insurance doesn’t pay out if you outlive the policy.
Exclusions apply
Every policy has terms and exclusions that affect when it pays.
How Bright Cover helps
Clear, friendly advice to help you protect the people who rely on you.
Understanding your needs
We talk through your family, mortgage and commitments.
Explaining your options
Level, decreasing, joint or separate — in plain English.
Comparing suitable cover
Options from UK insurers side by side, with no obligation.
Life insurance FAQs
Answers to questions people often ask.
How much life insurance do I need?
It depends on what you’d want the payout to cover, such as your mortgage, debts and your family’s living costs, minus any savings or existing cover. We can help you work it through.
Will a decreasing policy pay off my mortgage exactly?
Not necessarily. The cover reduces in a set way that may not match your mortgage balance exactly, for example if interest rates or repayments change. It’s worth reviewing your cover if your mortgage changes.
What happens with a joint policy?
A typical joint first-death policy pays out once, when the first person dies, and then ends. The surviving partner would need to arrange new cover if they wanted it.
Is terminal illness the same as critical illness cover?
No. Terminal illness benefit may pay your life cover early if you’re diagnosed with a terminal illness that meets the policy definition. Critical illness cover is a separate or added benefit for specified serious illnesses.
What if I stop paying my premiums?
Your cover usually ends, and term life insurance has no cash value, so you wouldn’t normally get anything back.
Should my policy be written in trust?
Writing a policy in trust can help the payout reach the right people and may help it be paid more quickly. Whether it’s right for you depends on your circumstances, and you may want legal advice.
Ready to talk through your options?
Request your free, no-obligation review and an adviser will be in touch.