Protecting those who matter most

Explore life cover options designed to provide financial reassurance for your family and loved ones.

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What is life insurance?

Life insurance is a type of policy designed to pay out a sum of money if the person covered passes away during the policy term. There are different types of life insurance available, each with its own features and eligibility criteria. The right option will depend on your personal circumstances, financial commitments, and long-term intentions.

My role is to set out the key information so you can understand how each option works. This supports you in making a decision that reflects your circumstances and future plans.

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Frequently asked questions

It pays out a lump sum if you pass away during the policy term, helping to protect your family financially.

This depends on your income, debts, mortgage, and what financial support you want your family to have.

Many people choose a term that matches their mortgage or until their children become financially independent.

Often not, but it depends on your age, health, and the level of cover you apply for.

Some policies allow changes; others don’t. I’ll help you choose something that suits your future plans.

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SmartMoneyCreative is an appointed representative of Dragon Network which is authorised and regulated by the Financial Conduct Authority under registration number 599430. Registered office: 145 Washway Road, Sale, Manchester, M33 7PE. Registered in England.

SmartMoneyCreative is a credit broker and you can confirm our registration on the FCA’s website www.fca.org.uk

The actual APRC you are eligible for depends on individual circumstances.

If you are thinking about consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON A MORTGAGE.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

The Financial Ombudsman Service (FOS) is an agency for arbitrating of unresolved complaints between regulated firms and their clients. Further details of the FOS can be found on its website: www.financial-ombudsman.org.uk

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