Get the Right Life Insurance for You and Your Family
Let us provide you with peace of mind, ensuring you and your family are financially supported when it matters most.
Why Life Insurance Matters
What is life insurance?
Life insurance is a policy that provides financial safety net for your loved ones in case of an unexpected bereavement or terminal illness (with less than 12 months to live). The policy offers financial support in a single lump sum payment, helping families manage one of life’s most difficult moments.
Why life insurance matters more than you think?
Many people protect their homes, cars, and belongings—but what about their family’s financial security? If you were no longer here, how would your loved ones manage without your income? Life insurance provides peace of mind, ensuring they are financially supported when it matters most.
Life Insurance Is More Affordable Than You Think
Could you afford to live on sick pay or government benefits alone if something happened? Life insurance helps ensure financial stability when you need it most.
Don’t Wait Until It’s Too Late
Life is unpredictable, and waiting can be costly. Life insurance is more affordable when you’re younger and healthier, and securing a policy now brings peace of mind for the future. Don’t let “If only I had insurance…” become something you regret later.
Why Not Rely on Savings Alone?
Even significant savings can be depleted quickly. A life insurance policy ensures a guaranteed lump sum to support your family when they need it most.
What types of life insurances are available?
Level Term Assurance
Pays out the full agreed amount, no matter when the claim is made during the policy term.
Ideal for ensuring financial support without concern about value reduction over time.
Decreasing Mortgage Protection Assurance
The payout decreases over time, aligning with the outstanding balance of your mortgage.
Designed to ensure your loved ones can pay off the remaining mortgage without any excess.
Indexation Term Assurance
Includes an extra percentage rate on top of your agreed amount to account for inflation.
Helps ensure the payout remains relevant to the increased cost of living.
This Support Can Help Cover the Following
Everyday financial commitments
Clearing outstanding debts
Replacing lost income
Covering medical bills or long-term care
Leaving an Inheritance
Large financial obligations such as mortgages
FAQs
Life insurance is a great way to make sure your loved ones won’t have to struggle financially as well as emotionally if the worst happens. If you have dependents, it’s worth thinking about how the family finances would be affected without receiving your income. Life insurance is designed to assist your family financially with things like; large financial burdens (e.g. mortgages and debts.)
When you apply for life insurance, there’s a couple of things you’ll probably need:
- Information on your medical history, including any current or previous serious illnesses
- Details of family members’ serious illnesses
- Your registered Doctor’s name and address
- Height and weight measurements
- Information on any medication you take, or any you have taken in the last 5 years
- Information on your existing policy (if applicable)
- Bank account details for payment to be taken once your policy starts
One common myth about life insurance is that companies find their way out of paying. However, the associate of British Insurers showed that 98% of life insurance claims were paid in 2020, to the tune of £3.4 billion. Just make sure you disclose all of your health information correctly to ensure your policy pays out.
There’s no set time limit on when life insurance claims will be paid out. The average time it takes is 30 – 60 days, depending on the situation.
Important to know:
For insurance business we offer products from a range of insurers.
Ready to Start?
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Why Our Customers Recommend Fluent Money®
We’re one of the UK’s favourite finance brokers. Don’t believe us? See what our customers have to say:
This is the second time I have used Fluent and would definitely recommend them
The process was easy and everyone I have dealt with on both occasions were helpful, polite and efficient. Special thanks to Simon who virtually sorted out a remortgage in a very short space of time and Sam in the insurance dept who managed to get my partner insurance as we had several problems previously. I will not hesitate to contact them again but as they are super efficient they are likely to contact me nearer the time my mortgage needs renewing
I can’t recommend them enough
I have used Fluent for a few years now for mortgage and health insurance purposes. I can’t recommend them enough. I have just competed a remortgage and Thomas and Joseph were super helpful!
I have had a brilliant experience with Fluent Money
I have had a brilliant experience with Fluent Money and the insurance broker James was extremely helpful and experienced his advice and hard work trying to find a suitable insurance premium went above and beyond . Sorry for late review
Amazing service for Mortgage and Insurance!
We’ve recently remortgaged and also reviewed our life and critical illness / income protection insurance and the team at fluent went above and beyond for my family. Alex Townrow, Joseph Moralee, Sam Musk and Andrew Ramsdale were all incredible from start to finish. They reviewed what we needed and provided the best advice to get us the cover we needed for the best price. We’re eternally grateful for the Fluent team for the smooth transition to our new mortgage and insurance providers.
Fluent Mortgages were brilliant from start to finish
From getting the mortgage that was right for me and with advice on the right life insurance and building insurance …professional, friendly and helpful all the way through to completion…they made it so easy…very happy…thank you guys.
