Protect what matters most. Our life insurance solutions provide financial security for your loved ones when they need it most.
Life insurance is a financial safety net that provides a tax-free lump sum payment to your loved ones if you pass away during the term of the policy. It helps ensure your family can maintain their standard of living, pay off debts, and meet ongoing expenses when you're no longer there to provide for them.
Provides a safety net for your family, ensuring they can maintain their lifestyle and meet financial obligations if you're no longer there.
Ensures your mortgage can be paid off, allowing your family to stay in their home without the burden of ongoing payments.
Gives you the reassurance that your loved ones will be financially secure, allowing you to focus on enjoying life together.
Many people underestimate the financial impact their death would have on their family. Consider these facts:
Life insurance provides a crucial financial safety net, ensuring your loved ones can maintain their standard of living and achieve their goals even if you're no longer there to provide for them.
Getting the right life insurance coverage is a straightforward process when you work with our experienced advisors. Here's how we help you secure the protection your family needs:
We'll help you determine how much coverage you need based on your financial obligations, income, dependents, and long-term goals.
We'll calculate the appropriate coverage amount considering your mortgage, debts, income replacement needs, and future expenses like education costs.
We'll research the market to identify the most suitable policies and providers based on your specific needs, health status, and budget.
We'll assist with the application process, including any medical questionnaires or examinations required by the insurer during underwriting.
Once approved, we'll ensure your policy is correctly established, beneficiaries are properly designated, and any trust arrangements are set up if needed.
We'll conduct periodic reviews to ensure your coverage remains aligned with your changing life circumstances and financial needs.
There are several types of life insurance policies available, each designed to meet different needs and circumstances. Understanding the options is the first step in choosing the right coverage for you and your family.
Provides coverage for a specific period (term), such as 10, 20, or 30 years. If you pass away during this term, your beneficiaries receive the death benefit. This is typically the most affordable option.
Best for: Young families, mortgage holders, those with specific financial obligations
Provides lifelong coverage, guaranteeing a payout whenever you pass away. This type often includes an investment component and can build cash value over time. Premiums are higher than term insurance.
Best for: Estate planning, inheritance tax planning, lifetime coverage needs
Instead of a lump sum, this pays a regular tax-free income to your beneficiaries from the time of your death until the end of the policy term. This can help with ongoing household expenses.
Best for: Families with young children, those wanting to replace lost income
Covers two people under one policy, typically paying out on the first death. This can be more cost-effective than two separate policies but provides only one payout.
Best for: Married couples, civil partners, those with shared financial commitments
A tax-efficient life insurance policy that allows companies to provide death-in-service benefits to employees. Premiums are typically tax-deductible as a business expense.
Best for: Business owners, company directors, employees through their employer
Guaranteed acceptance for those aged 50-85 with no medical questions. Premiums are fixed, and coverage continues for life. There's typically a waiting period of 1-2 years before full benefits apply.
Best for: Older individuals, those with health conditions, funeral expense planning
Getting the right life insurance coverage is a straightforward process when you work with our experienced advisers. Here's how we help you secure the protection your family needs:
We'll help you determine how much coverage you need based on your financial obligations, income, dependents, and long-term goals.
Most lenders require at least 5-10% of the property value as a deposit. Government schemes like Help to Buy and Lifetime ISAs can help boost your savings.
We'll calculate the appropriate coverage amount considering your mortgage, debts, income replacement needs, and future expenses like education costs.
Check your credit score, gather necessary documents, and understand your budget. We'll help you prepare for the mortgage application process.
We'll research the market to identify the most suitable policies and providers based on your specific needs, health status, and budget.
With a mortgage in principle, you can start viewing properties within your budget and make offers with confidence.
We'll assist with the application process, including any medical questionnaires or examinations required by the insurer during underwriting.
Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.
Once approved, we'll ensure your policy is correctly established, beneficiaries are properly designated, and any trust arrangements are set up if needed.
Congratulations! You've completed your purchase and can now move into your first home. We'll still be here for any future mortgage needs.
We'll conduct periodic reviews to ensure your coverage remains aligned with your changing life circumstances and financial needs.
Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.
At Friends Capital, we understand that choosing the right life insurance policy is an important decision that affects your family's future security. Our experienced advisers provide personalised guidance to help you find the most suitable coverage for your needs. We can:
Our goal is to give you peace of mind, knowing that your loved ones will be financially protected if the unexpected happens. We work closely with you to understand your circumstances and develop a protection strategy that ensures your family's financial security.
Don't leave your loved ones financially vulnerable. Our expert advisers can help you find the right life insurance coverage to ensure your family's security and peace of mind.
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