Life Insurance UK Quotes | Life Insurance Portsmouth

life insurance that isn't confusing

Life insurance the easy way

We'll help you get the right protection for you and your family

What is life insurance?

In simple terms, life insurance covers your family or chosen dependents with a lump sum pay-out when you die.  You make monthly payments to the insurer in case anything happens to you during the duration of the policy, known as the ‘term’. If you do pass away during the ‘term’ your insurer will pay a lump sum of money that you agreed on to your family, known as the ‘sum assured’. Your family can then use this lump sum to clear any debts, mortgage, childcare if necessary or day to day expenses.

Types of Life Insurance

Single Life Insurance

A single life insurance policy covers one person. You choose a beneficiary who receives the payout when you die. This could be your partner, child, or anyone you select. You can change the beneficiary by writing the policy in trust. Single life insurance is flexible and can suit various personal situations, ensuring financial protection for your chosen recipient.

Enquire Today

Joint Life Insurance

Joint life insurance covers both people in a relationship under one policy. It's often cheaper than two separate policies and protects both partners' financial contributions. The policy pays out once, usually when the first person dies. The payout should cover at least your mortgage, but you can add extra for bills and family expenses. If you both die together, the money goes to your estate or directly to beneficiaries if the policy is in trust.

Enquire Today

There are three main types of policy. Two have fixed terms, usually for a period of time, while the other is indefinite:

Level Term Insurance

The total sum insured is the same amount no matter when you pass away during the policy, provided it is still active.

Decreasing-term Insurance

The pay-out decreases as the policy term goes on. This type of policy is designed to cover long-term financial commitments like mortgages, because as time goes on, your dependants will have less to pay off if you die.

Whole of life Insurance

Also known as ‘life assurance’, this type of policy covers your whole life and is guaranteed to pay out when you die. Whole-of life insurance is more expensive than the other two types because there will always be a pay-out at the end.

Adrian West

13/01/2026

A professional service with great quotes on offer by a knowledgeable company

Karen Middleton

28/08/2025

Very quick response to my enquiry – called when arranged and full explanatory details of relevant covers available. Very impressed with service I received.

Andrea Rees

10/07/2025

Made process simple and hassle free. Thank you Nigel

stephen petford

30/06/2025

This service was excellent Nigel was a good listener and tailored the cover for my needs : He also was very clear and honest what I could not have and through all communications is a highly professional individual with no waffle just facts to help me make an informed choice. I would recommend Nigel and this service to anyone.

Gill Holmes

24/02/2025

Nigel Rowe at multi quote was brilliant, nothing was too much trouble for him, he sorted life insurance for both me and my husband and even though mine was more complicated he still made everything easy and trouble free from start to finish. This gentleman is highly recommended.

Colin Shanks

14/02/2025

Yesterday, I called and spoke with Mr Nigel Rowe who I have dealt with in the past and I always remember what he said before, if I had any problems to call him and he would offer his help. I wanted to know if he had any experience with dealing with “Powers of Attorney”. Nigel is an excellent communicator and I value his opinion and advice on the information he gave me. Nigel is a great ambassador for the company he works with and a pleasure to deal with. Thank you Nigel for an outstanding customer service which is greatly appreciated.

S Br

11/02/2025

First class personal service. I have used this company on more than one occasion and I can’t recommend them highly enough.

Simon Zammit

10/02/2025

Nigel was extremely helpful when I needed to find both life and critical illness coverage. He worked promptly and provided me with a range of potential solutions, explaining the benefits and limitations of each. The process was simple and effective, resulting in my purchasing the cover I needed. Thank you Nigel, for the professional advice and tailored support. I highly recommend Nigel, and would not hesitate to use his services again in the future.

carol young

30/01/2025

Very helpful and what was really appreciated was Nigel was not pushy about the service, didn’t feel that I had too use this service, would definitely recommend

Verified by Trustindex

Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

How we work

Get Started

Fill in our contact form below and one of expert advisors will call you back to discuss your options and go through a quick fact find questionnaire.

Confirm Quote

Once we have all your details we will compare quotes from across the market and then provide you with the top 3 recommendations. We will explain everything clearly.

You're Covered

If you are happy to proceed with a quote we will confirm everything and get your cover set up. We will then provide a full breakdown of your cover.

Life Insurance FAQs

How much do you pay for your life insurance?

Often life insurance is more affordable than we expect, although the price can vary between individuals. You monthly premium will depend on personal circumstances and your health and lifestyle can affect your monthly premium. Here are some of the factors that need to taken into account:

Your Personal Details:
This can include your age, your current health, any past health conditions plus your family health history. Your lifestyle can also affect the cost, an unhealthy lifestyle can increase your premiums, including smoking. Dangerous hobbies or jobs that place you at risk can also affect your monthly premiums.

When does life insurance pay out?

Life insurance pays out if the person insured dies before the policy ends. Your lump sum assured is often paid out by the insurer within 30 days of the death of the insured, the process being easier if the policy is placed into trust. However, each claim and each insurer are different and there may be certain regulation that extend the processing time. Your insurer may also pay out if you are If you are diagnosed with a terminal illness.

Does life insurance cover terminal illness?

With most life insurance policies, terminal illness cover is automatically included. If you are diagnosed with a terminal illness during your policy term, then the full sum can be claimed. A terminal illness is defined by insurers as a disease with no known cure, or one that has progressed to a point where your medical consultant expects this to lead to death within 12 months. This can help you financially through this challenging time.

What if I don't die - Will my life insurance policy pay out?

Life insurance only pays out if you die while the policy is still active. Reason why it may not pay out: Your policy has expired If your life insurance policy expires and you haven’t claimed, it won’t pay out to your family when you pass away. If you stop paying your premiums If you don’t keep up with your payments, your cover stops. If you die as a result of suicide If you take your own life, your family might not receive a pay-out.

Do I need life insurance?

Would your family suffer financial hardship or be put at risk because of your death? If you die unexpectedly this may leave your family and loved ones with debt, a mortgage to pay, a funeral to cover or simply unable to pay the bills. Life insurance can make sense for many situations. When considering life insurance also keep in mind that the younger and healthier you are the more affordable the monthly payment may be. If you are planning to make changes in your life, it is worth considering your options at a young age to secure your policy.

01329 551884

Life Insurance