Your Quote Is With Our Team
We’ve received your details successfully, here's what to do next.
- FCA Regulated
- Whole of Market
- 4.8/5 Rating
What Happens Next?
Book Your Priority Call Below:
Step 01
Specialist Review
We’ve received your application with your initial protection preferences and contact details. This allows your adviser to prepare for a focused conversation and understand what matters to you before speaking.
Step 02
Personalised Call
You can book a short call using the calendar here, or an adviser will reach out shortly. This is a no-pressure conversation to confirm your priorities, clarify any details, and make sure we fully understand what you’re looking to protect.
Step 03
Quotes & Cover Setup
Once we’ve spoken, your adviser will compare suitable options, explain the recommendations clearly, and guide you through the next steps if you choose to proceed — including application and trust setup where appropriate.
The ProAssure Advantage
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If you’d like to talk sooner or update any details:
Frequently Asked Questions
Still not sure? We understand insurance can be tricky let us help you out!
Can I cancel my Life Insurance policy?
Yes, you can cancel your life insurance policy at any time. Most policies include a "cooling-off" period, usually 30 days from the start of the policy, during which you can cancel without penalty. If you cancel after this period, you may not receive a refund on premiums paid.
Can I get life insurance if I have a pre-existing health condition?
Yes, but it can be more challenging. Some insurers offer specialised policies, or you may qualify for standard coverage with a higher premium or reduced coverage amount. Be transparent about your medical history when applying.
What happens if I stop paying my premiums?
The outcome depends on the type of policy: Term Life: Coverage will lapse, meaning you and your beneficiaries are no longer protected. Permanent Life: If you've built up cash value, there may be options to use it to keep the policy in force, but eventually, insufficient payment will also lead to the policy lapsing.
Does my employer-provided life insurance offer enough coverage?
Probably not. Employer-provided coverage is often a small multiple of your salary. It's a good start but likely insufficient to cover your family's full financial needs in the event of your passing. Supplement this with a personal life insurance policy.
Is the life insurance payout taxable?
Generally, life insurance death benefits are not considered taxable income by the HMRC. However, there might be exceptions in complex estate situations, so it's wise to consult a tax advisor if you have significant assets.
