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Life Insurance

We know that your family means the world to you, and that you want to do everything in your power to keep them safe when you’re no longer here to protect them yourself. Life Insurance can help give your family financial protection should you pass away within the policy term, leaving behind a lump sum that helps loved ones maintain their living standards or pay mortgage costs. Along with paying for bills, school fees and other debts, your Life Insurance policy can give your family and noted benefactors one less thing to worry about when the time comes.


At Avail Mortgages, we have access to leading insurers including Aviva, Royal London, LV and Zurich, as well as Aviva’s ‘Global treatment’ programme which provides access to the latest treatments around the world. Along with cover for adverse health and adventurous lifestyles, we provide whole of market insurance that can meet your needs. With a 99% pay out should your medical history be correct, our Life Insurance brokers can help you find the most suitable cover based on your requirements – providing a dependable and trustworthy service. To find out more, please contact us today. We provide help for clients in areas such as Leeds, Huddersfield, Bradford, York and Harrogate, so we know that we can help you too.


What Is Life Insurance?

Life Insurance allows you to leave behind money for your family when you die, which can be used to support them, to replace lost income or to pay off debts such as your mortgage. Because the policy relates to your health, when you apply for a Life Insurance policy, you’ll have to answer some questions about your health and lifestyle, honestly and accurately, with factors such as your age, how much cover you need, as well as the type of policy you have, all determining how much you need to pay for cover.

When it comes to this policy, the most common type is term life insurance. This is where you choose the amount you want to be insured for and the period for which you want cover. If you die within the term, the policy pays out to your beneficiaries. There are three main types of term insurance to consider, and these include:

Level Term Insurance: Pays out a lump sum if you die within the specified term. The amount you’re covered for remains level throughout the term.

Decreasing Term Life Insurance: The amount you’re covered for decreases over the term of the policy. These policies are often used to cover a debt that reduces over time, such as a repayment mortgage.

Increasing Term: The amount you’re covered for increases over the term of the policy, to keep up with inflation.

Other types of Life Insurance include family income benefit insurance, whole life insurance and joint life insurance, as well as couples life insurance. 

Avail Mortgages can help you find a suitable insurance policy, and will even write the policy into trust for you, so that your loved ones don’t potentially lose 40% of the money paid out by the insurer. This helps mitigate Inheritance Tax Liability, ensuring your beneficiaries receive the proceeds from the policy.

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Get In Touch

Unsure which Life Insurance policy is right for you? Want to learn more about the types of Life Insurance from brokers you can trust? For trusted advice and guided support, please get in touch with Avail Mortgages today. Serving clients in areas including Leeds, Huddersfield and York, we’ll help you find the most suitable quote and policy for you.