Life & Pensions
Life insurance and retirement savings are about the people who depend on you. We explain the options in plain language and help you choose cover you can sustain.
What’s covered
Life & Pensions options
- Term and whole-life cover
- Funeral and last-expense cover
- Education and savings policies for children
- Retirement and pension plans
- Group life and group pension schemes for employers
- Critical illness and disability benefits, where offered
Exact cover, limits and exclusions depend on the insurer and policy. We explain these before you decide.
Who it’s for
- Parents and breadwinners
- Anyone saving for school fees or retirement
- Business owners planning for succession
- Employers who want to offer a group life or pension benefit
How we help
More than a quote
We size your cover
We work through your income, debts and goals to find how much cover makes sense.
We compare
We look at products from several insurers, including charges and benefits.
We set it up properly
Beneficiaries, forms and payment arrangements are completed correctly the first time.
We review over time
As your family and income change, we revisit your cover so it keeps up.
Questions
Common questions
How much life cover do I need?
A common starting point is to cover outstanding debts, living costs for your dependants and future goals such as education. We work through your own numbers with you.
What is a beneficiary?
The person or people you name to receive the policy’s benefit. It is important to keep this up to date, and we can help you review it.
Can I change my cover later?
Often yes, but the rules differ by insurer and product. We will explain what can be changed and when before you take out a policy.