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Ultimately, life insurance is not just an expense but an investment in your family’s future security and peace of mind.

Remember, the best time to secure life insurance is as soon as possible. Premiums rise with age and as health conditions develop, so don’t delay in protecting your loved ones.

For most people, life insurance is a wise decision. It provides crucial financial security, helping your family navigate difficult times without additional worries. Although it’s not a pleasant topic, taking action to protect your family’s financial well-being is an important step. If you’re ready to discuss a new or existing policy, feel free to schedule a call with us.

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Types of Life Insurance Policies

Life insurance comes in various forms, tailored to different needs:

  • Term Life Insurance: Provides coverage for a specified period, such as 10, 20, or 30 years. It’s often chosen for its affordability and simplicity.
  • Whole Life Insurance: A permanent policy that offers coverage for your entire life,
    typically featuring a cash value component that grows over time.

Understanding the cost of Life Insurance

It’s crucial to ensure that your life insurance premium is affordable and fits within your budget. An overly expensive policy may lead to financial strain, forcing you to cancel it prematurely and leaving your family unprotected. Using a life insurance calculator can be helpful to find a plan that aligns with your needs.

When Life Insurance is no longer necessary

Over time, your financial obligations may decrease, reducing your need for life insurance. However, before cancelling your policy, carefully evaluate your situation.

Once a policy is terminated, you can’t simply resume where you left off. A free, no-obligation conversation with a qualified advisor can help determine whether continuing your coverage is the right choice.

Frequently asked questions

If you would like to find out more about our flexible insurance for tenants, please call us on 01706 823 131

Life insurance serves as an essential safety net, structured through a contract between you and an insurance company. If you pass away during the term of the policy, your insurer pays out a death benefit to your designated beneficiaries. This payment offers financial stability to your loved ones, meeting their financial needs in your absence.

In essence, life insurance provides a lump sum of money to replace lost income, pay off debts, or cover funeral expenses, ensuring that your family can maintain their quality of life. One of the most common reasons people purchase life insurance is to pay off mortgage debt. Clearing this debt ensures that your family can remain in their home without added financial stress.

The core reason to have life insurance is to act as a financial cushion for your family when they need it most. Without this protection, your dependents could face financial struggles, such as difficulty meeting everyday expenses or paying off significant debts like a mortgage.

While life insurance isn’t necessary for everyone, it is particularly vital for primary earners with dependents or for anyone with substantial debts. Even if you don’t have dependents, you might still consider life insurance to cover end-of-life expenses or to leave a financial legacy for someone special or a favourite charity.

Selecting the right life insurance policy depends on your personal situation, financial goals, and family’s needs. For example, do you only need protection for a certain number of years, or are you looking for lifetime coverage that can build cash value? Consulting with a qualified advisor can help clarify your options and tailor coverage to your circumstances.

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Brilliant experience from the start over 10 years ago when I started renting to the present when with all their help I completed the house sale Everyone I spoke to was helpful and professional with Niall being a absolute star and kept me up to date with all communications

Ian Guffogg August 1, 2024

A huge shout out and thank you to Melanie and Niall at Lifestyle Sales and Lettings who have just helped us to sell our office building in Bury. They were so hands on, helpful, proactive and kept us fully informed of interest levels and viewings. I can’t thank them enough for everything they’ve done. We had previously put the sale in the hands of a larger estate agent! The service was nowhere near the same level and nothing materialised. If you want an estate who cares, and is actually working for you proactively – then you need to get in touch with the team at Lifestyle. Gill & Eric Arnott

Gill Arnott June 24, 2024
joanne herbert March 7, 2024

A big Thankyou to Melanie, and Henry! Even though my move took much longer than expected(through no fault of Lifestyle altogether) Thanks to Henry. Everything went as smooth as it possibly could, I was always reassured about any issues I had and he went above and beyond to make sure I was taken care of. Would definitely recommend

Dylan Proctor March 4, 2023

Me and my partner have recently moved out and Lifestyle lettings were absolutely amazing and efficient! We were helped along the way by Henry at every step who was amazing and I can’t recommend highly enough . The customer service here is second to none and i would urge anyone to try and get sorted moving with Lifestyle lettings. Thank you so much, Andy x

Andrew Rafferty March 1, 2023

Great team and brilliant customer service! Everyone was helpful and any issues with the property were quickly sorted out. Recommended!!

Max Dickinson February 24, 2023

Highly recommend this company. Melanie and her team are brilliant - genuinely nice people. Henry has dealt with letting out our property and from the very first phone call, he has been very professional and knowledgeable. He has made the whole letting experience fairly stress free - excellent communication skills - phone/face to face/emails.

Shirley A February 21, 2023

Big thanks to Henry going above and beyond for me, great responsive service

Ross Hand February 6, 2023
adolf chingono November 14, 2022

Lifestyle Sales and Lettings don't stop to surprise me, from the initial engagement to the continuous communication for maintenance and liaising with the landlord. They quickly answer all our queries and conduct themselves to the highest professional standards I have had the pleasure to deal with any Letting agency. Each of their outstanding staff that I have had the opportunity to speak with are exceedingly kind and helpful, from the receptionist to the Letting coordinators, from the sales agent to the maintenance team. Please keep being as good as you are.

Martin Armando Tejada Rodriguez November 2, 2022

Holding ourselves to the highest standard