Life Insurance

Life Insurance

from just £7* per month

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*premium driven quotation based on a 30 year old male, none smoker level term cover,
£7 per month over 25 years would get £125,000.

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Life insurance policies can ensure your family or friends are not financially burdened when you die, and the good news is, the younger you are, the cheaper the policy is likely to be. At Here 4 Life, we do not only offer an unmatched range of life insurance packages, but we can also guarantee that our quotes are among the most competitive in the UK.

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We aim to reward hard working young professionals and families with life insurance policies which offer true value, and are budget friendly at a time when living costs can pile up. With a life insurance policy from Here 4 Life, you can address the worries of your loved ones having to pay funeral costs should the worst happen, and your children can be supported for years to come. Or if paying off the mortgage is top of your priorities, we offer life insurance packages which can set your mind at ease.

The Here 4 Life range:

Our life cover options include the following packages:

Term Insurance

A fully medically underwritten policy which pays out a fixed sum, assured after a pre-determined term. This can be a good choice for those who are intent on a budget-friendly choice which covers them in the event of death during the fixed term.

Decreasing term insurance

A fully medically underwritten policy in which the total sum assured decreases, often in line with your mortgage, but the monthly premium remains the same. This makes it ideal for mortgage protection, helping to safeguard what is the biggest investment many of us will make - our home - at an inexpensive rate.

Whole of life

A fully medically underwritten policy which pays out a fixed sum, assured when someone dies, offering cover for life. These policies never go down in value or expire, thanks to level premiums. Our whole of life insurance offers the holder complete certainty and the peace of mind which comes with it.

Level Term or term insurance

Insurance at its most basic, pays out a fixed amount if you die within a fixed ‘term’. If you die after the pre-agreed term you will not receive a pay-out. For this reason term policies tend to have lower premiums than those where the client is covered for life.

Critical illness

Critical illness cover pays a tax free lump sum if you are diagnosed with a defined critical illness during the policy term. Critical illness is often available as a combined policy with life insurance, however in these instances you can often only claim once.

Life Insurance

Ready to secure your loved one's future?

It is never too early to start thinking about your future, and that of your loved ones. Make the smart choice and get on board with the Here 4 Life range of life protection policies. If you have an existing life insurance policy, we may be able to offer you a better value alternative.

Contact us today on 0800 138 8200 and speak to our team of experienced professionals.

Other Cover 4 You

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Income Protection

Being unable to pay your mortgage or meet your financial commitments in the event of redundancy, accident or illness is a significant fear for many people, particularly in the current uncertain economic climate.

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Critical Illness

Critical illness cover is important for every stage of your, and your family's life, offering vital cover should a range of serious illnesses suddenly strike.

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Mortgage Protection

Whether you’ve just got your feet on the housing ladder or are firmly ensconced in your family home, your property is likely to be your single most valuable asset.

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Very helpful, knowledgeable and polite service when sorting out mine and wife's VitalityLife policies.

Timothy Marshall

Excellent service, efficient customer service, elizabeth was extremely helpful, guided us through the process with ease, never felt presurised, would recommend this company.

Stephen Bowditch

Very thorough. Kept up to date with how the application was going and right through to completion.

Paula Boniface

Excellent service I would highly recommend

Helen Rowe

Very good service provided.. Friendly consultants on the other end of a phone, can be contacted anytime with any issues I have regarding my policy. Great customer satisfaction all round!!

Mandy Rosemarie Walker