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Protection

Life Assurance

Financial security for the people who depend on you.

Independent advice on life assurance, so the people who matter to you are looked after financially if the worst happens. We compare the market to find suitable cover at a fair price.

Independent Whole of Market Chartered
Life Assurance

Life Assurance Advice

Life assurance is one of the simplest ways to protect the people who depend on you. It can clear a mortgage, replace lost income or provide a lump sum that gives your family security at the hardest of times. The right policy depends on your circumstances, and the wrong one can cost more than it needs to or fall short when it is needed.

As independent advisers, we compare cover across the market and recommend a policy that fits your needs and your budget. We also make sure it is set up correctly, including the use of trusts where appropriate.

What We Advise On

  • Level and decreasing cover, including mortgage protection.
  • Family income benefit that pays a regular income rather than a lump sum.
  • Whole of life cover for longer-term needs.
  • Writing policies in trust so they pay out promptly and tax-efficiently.

Cover That Fits

We take time to understand who and what you need to protect, then recommend suitable cover in plain terms. Your first conversation is free and without obligation.

Cover is subject to the terms, conditions and exclusions of the policy. Some forms of trust and estate planning are not regulated by the Financial Conduct Authority.
Why Affinity

Why Choose Affinity

Whole of Market

We compare life cover across the market to find a suitable policy at a fair price.

Set Up Correctly

We advise on writing cover in trust so it pays out promptly and tax-efficiently.

Advice, Not Sales

We recommend the cover you need, no more and no less.

A Named Adviser

One person who understands your situation and is there when you need them.

Good to Know

Life Assurance Questions

How much cover do I need?+
It depends on your mortgage, your income and the people who rely on you. We help you work out a sensible amount rather than guessing.
What is the difference between level and decreasing cover?+
Level cover pays the same amount throughout, while decreasing cover reduces over time and is often used alongside a repayment mortgage. We will explain which suits you.
Should my policy be written in trust?+
In many cases, yes. A trust can help the money reach the right people promptly and can keep it outside your estate for inheritance tax. We advise on this as part of setting up your cover.
Will my premiums increase?+
Many policies have guaranteed premiums that stay the same throughout. We will make the terms clear before you take out any cover.
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Protect the People Who Matter

Tell us who you need to look after and one of our advisers will come back to you, usually within a working day.

Speak to an Adviser