Insurance
Family life insurance
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Family life insurance
There are a number of ways to protect the people who depend on you, but few are as secure, stable and effective as family life insurance. Whether you’re raising children, supporting a partner or caring for other relatives, having the right family life insurance in place ensures your loved ones remain financially safe, if you’re no longer here to support them.
At Everest Mortgages, we help families to find clear, affordable protection that’s tailored to their needs, so you can enjoy everyday life knowing the people you love most are safeguarded, should the worst happen. With a whole host of family life insurance policies out there, working with our experts means you’re paying attention to the ones that are best suited to you.
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What is family life insurance?
If you pass away during the term of the policy, family life insurance will provide your family with a lump sum payment, for them to use in whichever way they need. They might decide to use it to pay off a mortgage, clear loans or pay off a credit card. They might need to use it to cover school or childcare costs, or to cover day-to-day living experiences. With family life insurance, your family can maintain financial stability at a time when everything else feels uncertain.
Unlike insurance that’s specific to mortgages, family life insurance usually takes the form of level term insurance. This means the payout stays the same throughout the policy, and it’s not reflective of how much of a mortgage you have outstanding. This offers broader protection and is ideal for families wanting financial security going forward, rather than cover that’s solely tied to a mortgage balance.
Family life insurance vs. mortgage life insurance
- Family life insurance is a level term policy, meaning the payout remains the same for the entire policy duration. This offers wider financial support that goes beyond your mortgage.
- Mortgage life insurance tends to be a decreasing term policy, meaning the payout reduces as your mortgage decreases. It’s designed specifically to clear the mortgage balance.
Usually, family life insurance gives your loved ones more flexibility and more ongoing financial security.
We compare policies from leading UK insurers, including...
Do you need family life insurance?
If someone relies on you – whether that’s financially, practically or emotionally – then family life insurance is worth considering. You’re likely to benefit from family life insurance if:
- You’re a parent or guardian
- You share a home or financial commitments with a partner
- You care for elderly or disabled relatives
- Your income pays essential bills, rent or mortgage repayments
- You provide childcare, household care or support that would need replacing
If you’re over the age of 18, and you live in the UK with a UK bank account, you can get family life insurance. Many people assume they won’t qualify because of age, health conditions or lifestyle factors, but that’s rarely the case. The key is choosing the right insurer and the right policy, based on your individual circumstances. This is where the Everest Mortgages experts come in.
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Protect your loved ones with family life insurance
Family life insurance isn’t just about money, it’s about providing stability and reassurance, and having peace of mind that your loved ones will be taken care of no matter what happens. With the Everest Mortgages experts guiding you through the process, you can focus on enjoying family life today, knowing their future is protected.
John Everest
Mortgage & Protection Adviser, Founder
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John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.
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Why choose Everest Mortgages?
Independent protection advice that puts your family first, with cover built around your home, your health and your budget.
Cover that fits your life
Level or decreasing, single or joint. We match your cover to your mortgage, your family and what you actually need to protect.
We compare leading UK insurers
We aren't tied to any one provider, so we can compare policies across the market and recommend the right cover at the right price.
Help with medical conditions
A health condition doesn't have to mean higher premiums or a refusal. We know which insurers take a fairer view of your circumstances.
Policies written in trust
We help you put your policy in trust, so any payout can reach your loved ones quickly and may sit outside your estate for inheritance tax.
We handle the paperwork
From the application to underwriting questions, we deal with the insurer for you. We work around your schedule, evenings and weekends included.
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