Life Assurance
Life Cover provides reassurance that your loved ones will be financially protected if the worst happens. It helps cover mortgage payments, household bills, and everyday expenses so your family can stay secure.
When should I think about Life Cover?
You should start thinking about Life Cover any time your financial responsibilities grow or someone begins to rely on your income. Buying a home, starting a family, getting married, or taking on a new loan are all key moments to consider it.
Life Cover is about planning ahead - making sure that, if the worst were to happen, your loved ones could stay in their home, keep up with bills, and maintain the lifestyle you’ve worked hard to build. Even if you already have a policy through work, it’s worth reviewing whether it’s enough to fully protect your family’s future.
Why is Life Cover important?
Life Cover gives you and your family financial protection and peace of mind. It provides a tax free lump sum if you pass away during the policy term, helping your loved ones manage major expenses such as mortgage payments, childcare, education costs, or day to day living.
It’s about ensuring your family’s security continues, even if you’re not there to provide it yourself. For many people, it’s a simple way to protect everything they’ve worked for and make sure their family can move forward without financial worry.
What if I do not have Life Cover?
Without Life Cover, your family could be left facing difficult financial decisions at an already emotional time. Everyday bills, debts, and mortgage payments would still need to be paid, and without your income, that can quickly become overwhelming.
In some cases, families may even have to sell their home or drastically change their lifestyle to stay afloat. Life Cover removes that uncertainty, providing a financial safety net when it’s needed most.
Having a plan in place means your loved ones will be protected and supported, giving you the reassurance that whatever happens, they’ll be able to focus on healing and rebuilding — not worrying about money.
Talk to us about how life assurance can help you
Life assurance is designed to provide financial support to your loved ones if you are no longer around. It can help cover things like mortgage payments, everyday living costs, or future plans such as education, giving your family one less thing to worry about at an already difficult time.
Insurance answers
We know talking about insurance isn’t always easy, but protecting your family’s future is one of the most important financial decisions you can make. At KeyFS, we’re here to make it simple, clear, and completely transparent.
Paul and Aynsley help families every day to find cover that gives peace of mind - whether that’s life insurance, critical illness cover, or income protection. Below, we’ve answered some of the most common questions people ask when thinking about protecting the people who matter most.
If you don’t have life cover in place, your family could be left facing serious financial pressure at the worst possible time. Mortgage payments, household bills, childcare costs, or even day-to-day living expenses may suddenly become difficult to manage without your income.
Life cover is designed to give your loved ones a safety net – so they don’t have to worry about money while dealing with a loss. Without it, they might have to rely on savings, state benefits, or even selling assets, which can add extra stress.
The good news is that life cover is usually more affordable than people expect, and it can be tailored to suit your budget and circumstances.
You can set the policy to match key milestones — like your mortgage term or until your children become financially independent.
Cover can start from just a few pounds a month, and we’ll help you find the right balance between cost and cover based on your needs.
Life assurance pays out a lump sum if you pass away during the term of the policy, helping your loved ones cope financially — whether that’s covering the mortgage, bills, or future plans.
It's time to make the right choice for yourself and your family.
Choosing the right protection can feel overwhelming, especially with so many types of cover and insurers to choose from. That’s why taking expert advice matters.
Contact Us
We offer free, no-obligation advice on products from a panel of leading insurers, helping you understand what you really need, what you don’t, and which options offer the best value for your circumstances.