Life cover protects your families future - its for them, not you

✓ 1 child in 29 will lose a parent by the age of 16*

✓ Every 20 minutes, a parent in the UK dies leaving a dependant child*

✓ 96.9% of all new life insurance claims paid out totalling 53,105 in 2022 *

✓ Average value of life insurance claims paid out was £73,578 in 2022*

Get in touch today to speak to an advisor and receive your personalised quote

QUESTION 1 OF 6

Let’s start with why you want to speak to an expert today…

(please tick as many options as apply to you)

I want life insurance so that my kids are covered financially, if the worst should happen

I want life insurance so that my mortgage is paid off, should the worst happen

I want a better deal on my existing life policy

I want Life insurance to protect my partners financial future if the worst should happen to me

QUESTION 2 OF 6

Who do you want to be insured?

Single policy – just me

Joint Policy – me and my partner

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QUESTION 3 OF 6

Have you or your partner smoked or used nicotine replacements in the last 12 months?

Yes, one or both of us has

No, neither of us has

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QUESTION 4 OF 6

Date of birth

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QUESTION 5 OF 6

Great, before we go any further, please fill below Details

By clicking Speak to a Life cover Expert, you agree for our client to contact you by telephone in relation to your enquiry today and that you have read, understood and agreed to our Terms and Conditions as well as our Privacy Policy

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How does it work

Life Insurance

What is life insurance?

Life insurance provides you with peace of mind. It gives some financial security to your loved ones if you pass away, making provisions in the form of a lump sum or, if you prefer, a regular income. It helps pay off your mortgage or any other debts or expenses.

Why do I need life insurance?

Life insurance provides dependents with financial protection should you pass away within the policy term. It lets you leave a lump sum behind, helping your loved ones to maintain their standard of living or pay off your debts or mortgage. Every family is unique with different needs, we help you find the best solution.

How does life insurance work?

You make your monthly payments, and when you pass away, your family or other dependents you have named will receive the payout according to the plan you’ve chosen.

How we work

1. Complete our simple online form honestly

2. Speak to an experienced life insurance advisor

3. Select your life insurance policy tailored to your specific needs

Product key benefits

Clearing your mortgage

Get peace of mind knowing your mortgage payments will be covered if you pass away

Lock in your policy cost

Life insurance costs increase each year. Lock in your price today, a sound investment for your future.

Protecting your children’s future

You want the best for your children’s future, provide for their education and life’s essentials.

Get Started

faq

frequently asked questions

Have some questions regarding life insurance? Hopefully, we cover them in our FAQs. If not an advisor will be more than happy to answer any other questions you may have.

What is the cost of life insurance?

Life insurance can range from £5 a month to £100+ a month, with the monthly cost determined by the individual circumstances of the person taking out the insurance policy. There is a range of factors that might impact the price. These are often related to your mental and physical health, your lifestyle (e.g. smoking, drinking ), and age.

Why might you want to take out life insurance?

You may have a mortgage, which you would like to have paid off to protect your dependents from taking on the cost on their own. The cost of bringing up children can be expensive and if you or your partner were left to do this on their own, it might not be affordable and so could jeopardise the future or lifestyle of your family.

Can I make changes to my policy?

You should be able to change details on your policy. You will need to contact your broker or the insurer to do this. It might impact the monthly premiums, depending on what change you wish to make.

How We Work

ClearKey introduces you to expert life insurance advisors free of charge. We do not provide advice ourselves instead we connect you only with regulated firms. We receive a commission for each introduction and specialise in making the process of receiving professional advice and custom quotes as easy as possible.

Disclaimer

1 child in 29 will lose a parent by the age of 16*
Click here to view source

Every 20 minutes, a parent in the UK dies leaving a dependant child*
Click here to view source

96.9% of all new life insurance claims paid out totalling 53,105 in 2022*
Click here to view source

Average value of life insurance claims paid out was £73,578 in 2022*
Click here to view source

Because we play by the book we want to tell you that...

1. We understand equity release isn’t for everyone, and we’ll never say it’s the right option for you, that’s why we pass you onto an Expert.

2. A lifetime mortgage is a loan secured against your property. With a lifetime mortgage there are typically no monthly repayments to make as the loan, plus roll up interest, is repaid when the plan comes to an end. Usually, that’s when you, or the last remaining applicant, either passes away or moves into long-term care.

3. With a lifetime mortgage you’ll still retain full ownership of your home.

4. Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits.

5. Mortgage Advice Bureau Later Life offer lifetime mortgage products from a carefully selected panel of providers.

6. Unless you decide to go ahead, Mortgage Advice Bureau Later Life’s service is completely free of charge as their fixed advice fee of £1,295 would only be payable in completion of a plan.

7. ClearKey is an independent marketing website which only acts as an introducer to companies who offer advice on various financial plans, products and services.

8. Our partners are authorised and regulated by the Financial Conduct Authority.

9. ClearKey.co.uk are not authorised to give any advice and we are not liable for any financial advice provided by or obtained through a third party.

10. Life insurance products attract terms and conditions. Price information contained within this website are for illustration purposes only. You will receive a full policy document upon application which will set out the terms, conditions and limitations of cover provided under the plan.

11. Your home may be at risk if you do not keep up repayments. Think carefully about securing debt against your home. When consolidating existing borrowing be aware that extending the term could increase the amount repaid.