Make the unthinkable that bit more bearable

Nobody likes talking about the worst-case scenario, but life can throw surprises at us that we aren’t ready for. The right life insurance policy will help your family survive financially should the worst happen, so they don’t have to struggle during the worst period of their lives.
Achieve peace of mind with the right life insurance policy
An untimely death is one of the worst things, if not the worst thing, that can happen to a family or spouse. With the right protection in place, you can mitigate the effects this can have on your loved ones with financial aid.

At Affinity Advice, we understand the complexities of life insurance and strive to find you a policy that works for you on every level.

From premiums that you can afford to payouts you know will cover what you require, our approach is built on speaking to you like the individual you are. We also make sure to convey complex information in a simple-to-digest format with everything explained at all times.

Speak to one of our friendly team members about life insurance.
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What is life insurance?
Life insurance is a form of protection that covers your loved ones should you pass away. By providing peace of mind around the unexpected, it can help your family grieve without worrying about debts, mortgages, and other financial commitments.

It also means you won’t leave them behind with nothing but memories. Instead, they’ll also have a financial security blanket to help them continue without you.
How does life insurance work?
When you take out a life insurance policy, you pay premiums that you agree you can afford. If the worst happens and you pass away, your beneficiaries will receive either a lump sum or regular payments based on the coverage you opted for.

These payments, or benefits as they’re known, can be used to help with regular spending commitments, funeral costs, and pretty much anything else.

Policies can be tailored around your preferences, covering your entire life or through the duration of your kids’ childhood.

So, what does the process of taking out life insurance look like with Affinity Advice?

Life insurance in one, two, three

1
Getting to know you is key when it comes to life insurance.
Discovering what makes you who you are, what your requirements are, and what you can afford, we gather the information we need to find you the best policy.
2
We get to hunting.
Scouring the market for the perfect-fit deal, we use our vast access to insurance providers and collate a range of policies for you to consider.
3
Finally, we present you with your options and offer the pros and cons of each of them.
Then, when you fully understand and agree to a specific policy, we get you signed up and the paperwork finalised.

Life insurance FAQs

  • How much is life insurance?

    Life insurance costs depend on the individual. The more you pay, the more your policy will pay out in the case of your death. While this is the case, we can help you find a life insurance policy that you can afford and that pays out what your family needs, should the worst happen.

  • Do you need life insurance for a mortgage?

    No, you don’t legally need life insurance for a mortgage application. However, some mortgage lenders will consider life insurance a condition for a mortgage application. 

    What is certain is that your life insurance policy will help your family afford mortgage payments should you pass away.

  • Can you have more than one life insurance policy?

    Yes, there is no legal limit on the number of life insurance policies you take out. While this is the case, however, you will be limited to the coverage you can get in total, which will depend on your income, net worth, and the insurers you’re covered by.

    It’s a complex undertaking and professional advice can clear up any confusion or misconceptions you might have about the process.

  • How much life insurance do I need?

    The amount of life insurance protection you need will depend entirely on your individual set of circumstances. At Affinity Advice, we can help you navigate this often complex topic, finding a situation that works to your and your family’s benefit.