Insurance & Protection
We search a limited panel of insurers (not the whole market).
Life Insurance
Life insurance is a type of policy designed to provide financial support to your loved ones when you pass away. It typically pays a lump sum, which can be used to help clear outstanding debts, such as your mortgage, and to provide your family with financial stability at a difficult time.
Do I need life insurance?
Life insurance is not a legal requirement, but it can offer important peace of mind and support for your dependants, particularly if:
- you have dependants or a partner who relies on your income
- you have a mortgage and want to help ensure it can be repaid if you pass away
- you wish to help cover funeral costs and reduce the financial burden on your family
You choose the amount of cover you need and how long you want it to last. With level term policies, cover stays the same. With decreasing or increasing policies, the cover changes over time.
How we can support you
- Understanding life insurance
Explaining what it is, how it works, and its role in providing financial security. - Assessing your needs
Discussing your dependants, outstanding debts, income, and future goals to determine whether life insurance is appropriate and what type and level of cover may be suitable. - Cover amount and term
Helping you work out how much cover you might need and for how long, based on your responsibilities, mortgage term, and wider financial plans. - Protection review
Reviewing any existing policies alongside your mortgage balance, mortgage term and income, to see whether your current arrangements remain suitable.
Important: We offer supportive guidance to help you choose suitable options. Any recommendations will be based on the information you share about your needs and objectives. Any decisions about new cover, consolidation, or changes are entirely your own.
Important Information
CH Finance (UK) Limited is an Appointed Representative of a principal firm that is authorised and regulated by the Financial Conduct Authority; you can check the register for details. We provide advice and make recommendations on protection/insurance products from a selected panel of insurers. Protection advice is provided on a no-fee basis (we receive commission from the insurer/provider, detailed in your quotation). If you also take mortgage advice from us, a fee may apply and would be agreed with you in advance where applicable. Policies are subject to terms, exclusions and underwriting; premiums may change where applicable; non-disclosure or misrepresentation can affect claims; and cover can end if premiums are not paid. Calls to and from CHFinance may be monitored and recorded for record-keeping, supervisory, training, and quality-assurance purposes.