Life Insurance

As Independent Financial Advisers we pride ourselves on providing truly impartial advice on Life insurance matters to our fast growing client base.

Affordable protection. Genuine peace of mind.

Life Insurance That Protects What Matters Most

Life cover—also known as life insurance—offers a vital layer of financial protection for loved ones in the event of your death. It can help settle outstanding debts, cover funeral costs, and provide ongoing support for dependents, ensuring that your family’s lifestyle and future plans aren’t derailed by sudden loss. For many, it’s not just about money—it’s about peace of mind, knowing that those closest to you won’t face financial hardship during an already difficult time.

Sourcing life cover through an Independent Financial Adviser (IFA) brings added reassurance. An IFA takes the time to understand your personal circumstances, health, and financial goals, then searches the whole market to find a policy that suits your needs—not just one from a limited panel. They’ll explain the differences between term assurance, whole-of-life cover, and more specialist options, always with clarity and care. Crucially, they operate under FCA regulation and Consumer Duty, meaning their advice must be fair, transparent, and focused on delivering good outcomes. It’s a thoughtful way to make a complex decision feel safe and manageable.

Level Term Life Insurance

Level Term Life Insurance provides a fixed amount of cover over a set period, giving you and your family financial security that doesn’t reduce over time. The payout remains the same throughout the policy, making it ideal for protecting interest-only mortgages, covering family living costs, or leaving a financial gift to loved ones.

Many people first take out life insurance alongside a mortgage, but it can also be used for a wide range of purposes — from inheritance tax planning and business protection to family support and peace of mind. In any situation where your passing could leave someone financially disadvantaged, life cover can make a real difference.

Because life changes, it’s important to review your cover regularly. Your mortgage, income, and family needs may have evolved since you first arranged your policy. Making sure your protection keeps pace with your life ensures lasting peace of mind.

As independent financial advisers, Thinking Finance can search the whole market to find the most suitable cover at the best value — with clear, honest advice and no pushy sales or unwanted emails.

Decreasing Term Life Insurance

Decreasing Term Life Insurance is one of the most common forms of protection in the UK, often taken alongside a repayment mortgage. The amount of cover reduces over time, matching your outstanding loan, so your family won’t be left with mortgage debt if the unexpected happens.

While many people arrange life cover during a mortgage application, it can also be used for wider protection — from helping to cover funeral costs and loans to providing financial support for loved ones. It’s an important part of any financial plan, offering reassurance that your family’s home and future are secure.

Life insurance should be reviewed regularly to ensure it still meets your needs. Many people only insure their mortgage, but what about the income that would disappear if one wage earner passed away, or other short-term debts that remain?

As independent financial advisers, Thinking Finance can compare policies from across the market to find the right balance of cover and cost for you — with clear, honest advice and no unwanted emails or sales pressure.

Critical Illness Cover

Critical Illness Cover can be added on to Decreasing Term Assurance Mortgage Protection or Level Term Assurance or chosen as a stand alone cover.

This plan is designed to pay out if you are diagnosed as suffering from a specific critical illness, such as Blindness, Deafness, Heart Trouble, Heart Attack, Stroke, Various Cancers, Kidney Failure, Permanent and Total Disability, to name but a few.

In addition, with certain companies you can have an extended cover to cover your children. Again, like Term and Decreasing Term Assurance you can have add-ons such as premium protection and Indexation. But again not all companies offer these extras and I think it is fair to say that not all companies offer the same range of covers.

So unlike life cover which is cost driven, you need to be a bit more specific when choosing Critical Illness cover. If there is ever a claim certain companies will give you the option to have the sum assured either paid out as a one off lump sum or drip-fed over a number of years.

Other Life Insurance Products

Life cover policies available through an Independent Financial Adviser (IFA) can vary widely in terms of the amount of protection they offer—ranging from modest sums to cover funeral expenses, all the way up to substantial payouts designed to replace income, clear mortgages, or support dependents long-term. The right amount depends on your personal circumstances, including income, liabilities, dependents, and future plans.

An IFA helps tailor this range to your needs by assessing your financial situation and exploring the full market. They’ll explain the differences between level term assurance (which pays a fixed lump sum), decreasing term assurance (often used to cover reducing debts like a mortgage), and whole-of-life policies (which guarantee a payout whenever death occurs). Importantly, they’ll also factor in affordability and underwriting criteria, ensuring the cover is not only suitable but sustainable. Because IFAs are regulated by the FCA and bound by Consumer Duty, their advice must be fair, transparent, and focused on delivering good outcomes—making the process feel safe, personal, and well-informed.

Clear, Independent Financial Advice for Every Stage of Life

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