Life Insurance
Speak to a specialist about how a comprehensive life insurance policy can protect your loved ones and give you peace of mind.
Why choose Howden Life & Health for your Life Insurance?
As a specialist insurance broker, our team of industry experts strive to arrange bespoke life insurance solutions, on your behalf, simply and easily.
The Howden Life & Health team recognises that each life policy needs to be as individual as its owner and their business, and that’s why they provide a tailored, personalised service, focused on getting to know you and finding out exactly what you want from your life insurance.
Ultimately, whether you need to purchase a new life insurance policy, or review an existing one, just know that we’re here to help.
Benefits of working with Howden Life & Health:
- You can trust us – we’re rated Excellent on Trustpilot
- Personal service from professionally qualified advisors
- An outstanding FCA compliance record
- Competitive solutions to for all budgets and affordability
- Supported by the largest panel of Life & Health insurers in the UK
- Knowledge of underwriting and medical conditions
Howden Life & Health Limited is authorised and regulated by the Financial Conduct Authority No. 176392. Registered in England and Wales under company registration number 3040737. Office address: Howden Life & Health, Ageas House, The Square, Gloucester Business Park, Brockworth, Gloucester, GL3 4ZP. Registered Office: 1 Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.
What is Life Insurance?
The purpose of life insurance is to help your family, or whoever you choose, manage financially once you’ve passed away. This policy is designed so that, following your death, your insurance provider will pay out an amount of money in a lump sum or in smaller payments (this is typically decided by the policyholder) to the beneficiaries, which they can then use to cover expenses such as funeral costs, mortgages, outstanding debts, education costs etc.
Whether you need to buy this protection is entirely based on your personal circumstances and whether you have people who depend on you that might need that safety net if you’re no longer around to provide for them anymore.
When you're looking to buy life insurance it's worth comparing life insurance quotes to find the right cover at the right price, whilst also being aware that what is and isn’t covered varies across insurers.
You can talk to one of advisers at Howden Life & Health and discuss what type of cover you are looking for, how much cover you require and how long it needs to last. With just a few personal details, a member of the team will be able to provide you with a quotation from one of their leading insurers.
Life Insurance FAQs
How much is Life Insurance?
How much your life insurance will cost will depend on a range of factors, so it’s hard to estimate exactly how much everyone can expect to pay. However, we can tell you some of the things that will impact how much your life insurance will cost. These include:
- How much life insurance you choose to take out.
- How long you want your life insurance to cover.
- The type of life insurance policy: (Level term life insurance / decreasing term life insurance, family income benefit or whole life insurance).
- Your current state of health and any pre-existing medical conditions.
- Whether you smoke or not.
One way of getting a better idea of how much your life policy will cost is getting in touch with an insurance broker, such as ourselves. Our team can use the information you provide to give you an idea of how much you can expect your life insurance policy to cost.
Do I need Life Insurance?
Most people choose to have life insurance cover to provide financial security for their family. By having a life insurance policy, you ensure the loss of your income won't create a financial burden for your family or others who depend on you.
If you want to provide for loved ones after you die, it’s worth considering getting adequate life insurance.
Life Assurance
Life assurance designed to reassure
Provide reassurance to your employees should the worse happen by getting your hands on a reliable life assurance policy.
Individual Life Cover for your Employees
Individual life cover for your employees
A valuable employee benefit that pays a tax-free lump sum payment to an employee’s dependants upon death or diagnosis of a terminal illness.
Health Insurance
A healthy workforce is a happy workforce
Buy the invaluable employee benefit that is health insurance for the business and make your staff feel valued and appreciated.