Life Insurance Quotes

Life Insurance Policy Quotes from SimsFS will give you piece of mind should anything happen to you. Secure your familys future and get in touch today.

Critical Illness Home Insurance

Most of us do not like to contemplate death, but it is something we are all going to face. The impact on family and friends is not just emotional but also financial. The emotional impact of losing a loved one is difficult enough to deal with without worrying about the cost of living. One way of securing your family’s financial future, is to invest in a good life insurance policy which can go a long way to help avoid any added stress at a time of emotional turmoil.

What is life insurance?

A life insurance policy is a tax-free lump sum of money paid out in the event of your death to your dependants.

How does life insurance work?

How much you pay for a life insurance policy depends on how much cover you want and the type of policy you get. Generally, the younger and healthier you are when you buy life insurance, the cheaper it will be. One important thing to note is that there are different types of life insurance policies which contain very different benefits.

What is Level Term Life Insurance?

Level term life insurance is designed to pay your beneficiaries a set amount of money as a lump sum if you pass away within a specified period (the term). How much money is paid out and the length of the term is decided by you.

What is Decreasing Level Term Life Insurance?

Decreasing term life insurance has one significant difference, the amount of insurance reduces over time, so the pay-out will be less if you pass away towards the end of the policy. It roughly works in the same way as a repayment mortgage decreases so it is sometimes called mortgage protection.

How do I pay for my life Insurance

You will usually pay a monthly amount for your life insurance which is called a premium. You must continue to pay your premiums as if you do not your policy will expire and you will not be covered. It is good to review your policies when there are any significant changes such as getting married or having a family.

Do you need life insurance?

If anyone relies on you for financial support you need life insurance. A life insurance policy can replace your income to help pay off debts or your mortgage. The lump-sum pay-out your dependants receive could also help towards everyday living costs such as food or bills. A life insurance policy provides your family with a financial cushion for their future.

Which life insurance policy is right for me?

Deciding on the right life insurance policy can be confusing but our expert advisers are here to help you answer the questions ‘What insurance do I need?’ And ‘How much life insurance do I need?’ Contact us for a free no-obligation quote.

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Why Use Us?

  • We are an independent Financial Broker
  • Fee free expert quality advice on a range of insurance products
  • A free review of any existing policies you have, to ensure they are relevant for your needs
  • Access to different insurance products with better benefits not available online
  • Fee free face to face appointment service with flexibility to work around your availability
  • Support with making an insurance claim so you have less stress and worry
  • An annual review of your insurance policies. We take into consideration any changes that have occurred, and whether there are improved policies on the market that better suit your needs
  • Relentless sales calls
  • Hidden added costs
  • An insurance policy you don’t need

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Contact us for a quote. We'll be happy to offer you a fee free consultation to discuss your options.

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*For Equine insurance, we act as introducers only.