So as a Family - whether married, a couple or just single parenting one family Mum or Dad - The bigger picture here is the reality if something unexpected happens on the overall financial, physical & emotional impact upon your own 1x family unit, dependant children and loved ones.
Because around 27,000 Parents die each year in the UK - That's over 500 per week - whether that's from cancer, another critical illness like heart disease & stroke, or have an accident.
This means sadly leaving around 46,000 dependent & bereaved children all under ages 17. Tragically affecting many families unfortunately & possibly some you know?
That is One Parent every 20 minutes or 1 Child Per Typical School Class size – may all lose a parent before they even grow up...(as Martin Lewis The Finance Guru also sadly experienced as a teenager when his Mum died).
Or in some cases, your own children suddenly having to help out and be responsible young carers for their parents - whilst they may recover from cancer.
Yet despite these over-whelming real life daily UK stats - on average onlyaround 40%of the UK Population may hold any type oflife insurance,critical illness or income protectioncover back-up plan to really help protect themselves financially & their family.
YET people know they realistically can't rely on any state benefits or family handouts here - longer term.
In other words, many others live and believe daily "It WON'T happen to me Attitude in Life" - Even in todays uncertain world OR are we just a nation of procrastinators?
How much Family Life Insurance Protection?
As Life Insurance Brokers in an ideal world - we may suggest this simple formula for your Family Peace of Mind cover.
LUMP SUM > Repay any mortgage & debts, cover funeral costs
INCOME > Help cover your monthly bills
LUMP SUM > Back up for holidays, education, emergencies
Martin Lewis on Life Insurancesuggests for his basic Family Life Insurance formula - covering around '10 x annual salary' of the main breadwinner, after repayment of any debts, loans, mortgages etc;
He says that you can one family protection plan or several policies - all covering different areas eg; one for mortgage protection & another covering dependants until they leave home.
The Money Saving Expert on life insurance also recommends placing the life policy into trust to help avoid probate & IHT eg; single one family parents with young children.
For Income Family Protection he recommends insuring upto 2/3rd salary OR upto 10 x annual income for considering critical illness cover.
All these main family protection plan types - provide Peace of Mind by offering a Tax Free payout....
Term Life Insurance: Single or Joint cover over a set number of years (e.g upto retirement or until children leave home) and pays a lump sum if you die within that period.
Family Income Benefit: Single or Joint cover over a set period of years & pays an income if you die within that period.
Mortgage Protection: Provides Single or Joint cover for your mortgage term if you die within that period.
Critical Illness: Paid upon diagnosis of a serious illness via Single or Joint cover eg; types of cancer, heart disease, MS & stroke etc;
Income Protection: Insurance if unable to work due to accident, sickness or hospitalisation. ASU includes unemployment.
Whole of Life Assurance: Single or Joint cover ongoing assurance and pays a lump sum whenever you die (with no set period).
Over 50's Lifecover: No medical life policy pays a lump sum whenever you die - after an initial wait period upto 2 years.
Our Top 3 Enemies
Someone's Family Life may change in just a Few Seconds.....
Every few minutes, someone in UK is sadly diagnosed with 1 of these serious 3 health issues.
Most Insurers understandably base and assess their underwriting terms, criteria & prices for life insurance cover, critical illness & income protection insurance plans around these top 3 claims.
The best time therefore to take out any family insurance protection - is BEFORE anything serious happens - NOT afterwards when it's too late.
Conclusion: #1 Family Protection
So whether you are after one family protection plan or several policies to help protect yourself & loved ones - as brokers we are happy to help arrange your ideal insurance cover.
UK Broker Deals: Life Insurers & Finance
As 'FCA Regulated' Life Insurance & Finance Brokers we work for you, our customers, not for the Insurance Companies or the Financial Providers.
Our 'No Obligation Bespoke Service' focuses on the time to find your ideal policy. Then customizing the coverage that best suits your health and lifestyle, needs & budget.
We also provide 'Helpful Trust Guidance', so that the life insurance policy proceeds may go directly to your loved ones, as you intended. This works alongside any Insurers Funeral Payment Pledge.
“As with all Insurance Policies, Conditions and Exclusions will apply”
"Fantastic service. Questions answered. Not pushy". John from Helston
"Do you feel that the advisor understood your financial requirements?Martin was a great help and would highly recommend his services".Barbara from Odiham
“Have you found all the Staff to be knowledgeable and helpful in your Business Dealings? Yes Excellent". David from Abingdon
"We would like to thank you for providing us with the Information necessary to make decisions on Insurance Products to ensure we & our Family are protected." Alan from Glasgow
"I value Martyn's natural, honest, and professional approach. He is very knowledgeable, incredibly supportive and patient when explaining the products in great detail. I would recommend his services to anyone."Beatrice from Croydon
"Do you feel that your affairs were reviewed in a timely manner? Martyn listened to my requirements offered advice and kept me updated throughout the process, very happy with the service provided". Graham from Leeds
"How helpful did you find the sales support staff? Yes Excellent" Dorcas from Clarkston
"I came to Martyn with a specific problem. He was able to find a solution to my complete satisfaction." Robert from Carnforth
"I just wanted to thank you for calling me back this week and for spending a significant amount of time with me on the phone. You provided exactly the kind of help and advice that I needed. Many thanks for your patience and persistence". Jo from Shepherds Bush
"The whole service is very personalised & bespoke, which made me feel like I was getting exactly the right cover for my circumstances.At no point felt like I was being “sold” insurance, I was being thoroughly advised with all options being analysed".Josh from Norfolk
"I would just like to say I can’t thank this company enough especially the advice I got from Martin, he put my mind at ease and what I liked was it was all explained so I could understand everything, any questions I had or concerns were answered sympathetically. I would recommend them to anyone." Pam from Bolton
"Thank you. You helped me navigate what online had quickly become a confusing array of insurance products. Without your clear and helpful advice I probably would have given up. Instead I've now found the right policy. Let's just hope I'll never actually need it!" Christina from Colchester
"Do you feel that the Advisor understood your Financial Requirements? Yes Excellent" Carl & Gayda from Middlesex
"Excellent customer service. Detailed, specific, constructive and honest. Thank you"Sharon from Braintree
“My partner and I had an extremely positive experience of using this service. Our advisor Martyn was very friendly and thorough and more than happy to answer our questions and explain different elements of cover in detail”. Owen from Cardiff
"No question is a silly question, fantastic in depth knowledge and happy to go the extra mile to make sure every aspect of the policy is understood". Joachim from Norwich
“We feel completely satisfied with our new life insurance policy and very well informed of every aspect of our new cover. We wouldn’t hesitate to get in touch again with any questions or updates regarding our policy. Thank you!” Megan from Llandaf
"Martyn was very thorough and pro-active making the process seamless and straight forward. We would certainly not hesitate in recommending his services". Mark & Kristel from Bourne End
"I have been extremely happy with the service provided, my requirements were understood and all efforts were made to meet them. Regular updates were received and appreciated and clear explanations were made throughout the process. I appreciated the honest dialogue without any “hard sell”. I was happy that throughout my needs were being met. In Summary - Excellent Service, thank you". Paul from Somerset
"Excellent price and personal service, policy cover arranged quickly and easily, very good to deal with". David from Broughty Ferry
"Just to let you know that this come from my heart, although you are Insurance Advisors but act more for me as a close family member - because you are always ready to help me as you can but also in a sincere manner - and I always appreciate this". Bruno from Stoke
Life Insurance Rewards - Value Added Services
Many of our 'Broker Only Deals' in 2026 may then also offer you some great inclusive or extra cost Value-Added Services and complimentary "Life Insurance Rewards". Services supported by respected & established health brands like BUPA, Red Arc or Square Health.
These various UK Life Insurance with Rewards umbrella rider benefits and Apps maybe usually available to both the policy holder & their close family members. Please feel free to ask about these comprehensive suite of 3rd party services & how to acquire them.
All these typical Life Insurance with Benefits, Value-Added Services & Perks may vary between Best Providers in 2026 and could be amended T&C's apply. Many of these vital support benefits may have life-changing outcomes ie; using 2nd medical opinion doctors advice to recheck a health diagnosis eg; heart or cancer issues which may lead to a different course of treatments.
Life Insurance FAQ
*How much Life Insurance Do I Need (2026)?
How much you may ideally need for your life insurance type policy or policies will all be relevant on where you are in life's journey in 2026.
Background Questions to review then such as for example:- The Age of You or Partner? Need Single or Joint cover? Have Dependants young or old? Ongoing Financial commitments? Employed or Self Employed? Mortgages or Debts to be Repaid? Personal or Business Protection? Want Term Life or Whole ofLifecover? Over 50's or Over 60's no medicals? Lump Sum or Income? Need Decreasing, Level or Inflation linked cover? In trust re IHT? etc;
LUMP SUM – Repay a Mortgage / Loan / Debts – Often your largest regular outgoings
INCOME – Provide for your Family – To help cover ongoing monthly bills / lifestyle / holidays
LUMP SUM – Help cover Final Expenses or leave a Legacy – Monetary Costs
Money Savings Expert Martin Lewis on life insurance formula instead (after repayment of any Mortgage loan & debts) suggests rule of thumb the "10 x Rule" ie; 10 x annual salary of main breadwinner until at least any kids leave education or if other financial dependants. Take into account any benefits offered via an employer.
*What's Life Insurance Cost per Month?
Your UK Life Insurance average monthly costs can start from below £5pm but prices will all be dependant on your age, health, smoker status, lifestyle, weight, family history etc; and if comparing bought more expensively direct or via a broker.
Remember, the best time to take out any life insurance, critical illness, income or mortgage protection is when you are fairly fit and healthy ie; harder to get & more expensive if in poorer health. The younger you are also - usually the cheaper it is.
Insurers costs will vary between different protection types, amounts of life insurance cover & any particular time frames required.
As brokers we often say that - "How much Life Insurance you may need = How much Life Insurance may cost".
*Is Critical Illness the same as Terminal Illness?
NO. Terminal Illness is a Free and often inclusive life insurance benefit payout of an advanced death claim. It signals you may sadly have less than 12 months to live ie; your condition is now terminal.
Critical Illness or Serious Illness however is a paid for and optional tax free sum benefit. Once claimed upon, it's paid out on diagnosis of the specified illnesses of that Insurers critical or serious illness cover policy ie; A helpful financial lifeline to hopefully then slowly recover and get on with your life. Consider MSE says also 100% income insurance for longer term overall finance protection.
*Vitality Life Timeline stats
Note: Typically as brokers we find that Life Insurance with critical illness costs maybe 4/5 x times the price of Life Insurance (with terminal illness) because of the much higher chances of a claim eg; cancer, heart attack or stroke.
The average time frames to settle & pay out their claims may however vary between UK Insurers service standards. This will naturally also be reliant on the complexity of each case type at claim stage and any exclusions applied.
Many Providers also subscribe to their 'Funeral Payment Pledge' whereby they may help out families who need to at least pay upfront funeral costs because there are claim delays due to probate etc;
* source thesaurus plus
Being brokers we may also add re your honest disclosures…‘Tell the Insurers the truth, the whole truth & nothing but the truth’
You must accurately disclose your full history of any pre-existing medical conditions, to avoid any claims being rejected on the grounds of 'non-disclosure'.
*What happens if you have Pre-Existing Medical conditions?
This is where our Professional Life Insurance broker expertise, knowledgeable advice & time really comes into play. By going that extra mile and trying to help out both you & your family.
Where perhaps before you have been declined being offered that favourable deal if say approaching only just 1 provider direct? As a broker we could now possibly help out due to our understanding of which Insurers maybe best to approach for various pre-existing medical conditions eg; diabetes or on weight loss medications.
Given the pressures on the NHS, how to deal as swiftly as possible with those medical queries raised that may assist all parties involved in your application.
Trust us to search the marketplace for you & speak to those Insurers that may best consider your overall personal medical health or lifestyle situation. Whether you are employed or self employed.
*Why use a Financial Adviser or Broker than go Direct?
Financial & Personal matters are always best discussed over with a Professional. Our trusted job role with integrity is to help give you that bespoke service, offering good consumer support and understanding. Then guide and acting in good faith, to give our advice that may help look after you, your family and finances.
We may also access a whole range of good value 'Broker Only Deals' that are often more comprehensive, include value added services. These may often be at a £1,000's cheaper lifetime costs than you maybe going direct for life insurance & enticed by any free gift vouchers.
Our various Brokers & Financial Advisers are all FCA regulated and are proud to be backed up via one of the UK’s largest independent Financial Services Networks - Stonebridge Mortgage Solutions.
Their initial professional and knowledgeable advice, time & expertise is free for Life, Health & General Insurances.
If you kindly wish for us to help arrange your ideal policy from a range of leading insurers to give both you & your family peace of mind, note we do then get paid a commission via those Insurers. Plus your own documented report to then back up any advice as taken against your affordable budget.
For other Financial Services we may then introduce you onto our selected finance partners for various areas including:- Mortgage & Remortgages, Equity Release & Lifetime Mortgages, Secured Loans & Commercial Finance, Pensions & Investments or other Legal Products who may then charge a Broker or IFA fee.
Get Best Finance Broker Deals from these well known Financial Services Insurance Companies & also many other Whole of Market Finance Providers we work alongside in 2026.
This website is intended for UK consumers & any review comments or information contained therein is for Generic Guidance only and is not to be construed as advice. For protection we offer products based on a fair and personal analysis re 'life insurance online quotes'.
By completing one of our no obligation 'life insurance quick quote' forms, you may be provided with online protection comparison quotes to calculate average costs, key facts from leading UK Insurers - based initially just on the basic information you have provided. Note: These UK 'online quotes for life insurance' will not take account of any personal, health or family lifestyle issues unless a full application is then completed. All best companies online life insurance quote uk deals are still then subject to full underwriting.
On a no-obligation initial basis, you consent for us to then kindly contact you by phone - where we may offer FCA Regulated Professional Broker help, time & guidance as needed re vulnerable customers. We may as appropriate then help to arrange a suitable protection or other quotes for finance broker deals based upon your own circumstances & needs by "advice & recommendation". This will usually be on a 'non face to face' basis for UK & NI customers. As Life Insurance & Finance Brokers, from our Financial Services Insurance or Finance partners for helping arrange your ideal 'protection insurance' or other appropriate finance policy/s we may earn a commission fee.
“AS WITH ALL INSURANCE POLICIES, CONDITIONS AND EXCLUSIONS WILL APPLY”
For products with any investment element we may introduce you to an FCA authorised adviser after any further review. We may also introduce you to other selected professional partners for other protection, finance (such as a whole of market mortgage broker) or legal products as deemed appropriate. By completing our enquiry form you ‘may be introduced to another lender/provider’. Online Dispute Resolution (ODR). Financial Ombudsman. We nominate to fundraise for Macmillan Cancer Charity.
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Myself
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Someone's Family Life may change in just a Few Seconds.....
'There is...ONLY 1 YOU' 
