Life Insurance
Life Insurance
Protect Your Family’s Future with Expert Advice
No one wants to imagine the worst—but planning ahead can make all the difference. Life insurance provides a tax-free lump sum to support your loved ones if you pass away, helping cover mortgage payments, living costs, debts, or future expenses.
At Alphakey Mortgages, we offer whole-of-market advice on life insurance across the UK. We’ll help you choose the right level of cover, explain your options clearly, and tailor a solution to suit your family’s needs and budget.
Life Insurance FAQs
Do I need life insurance if I have a mortgage?
Yes—especially if you have dependents. Life insurance can help pay off the mortgage so your family can stay in the home.
How much cover do I need?
This depends on your mortgage balance, income, number of dependents, and lifestyle. We’ll guide you through the calculation and find a suitable policy.
What’s the difference between term and whole-of-life insurance?
Term insurance covers you for a set period (e.g. 25 years), while whole-of-life policies guarantee a payout whenever you pass away.
Is life insurance expensive?
Premiums vary based on your age, health, and level of cover, but many policies are more affordable than people expect. We’ll compare quotes for you.
Can I combine life insurance with critical illness cover?
Yes. Many policies allow you to add critical illness cover for extra protection—ask us for a combined quote.
Life Insurance For Your Peace of Mind
Financial Support for Your Family
Pays a lump sum if you pass away—helping cover living costs, debts, or funeral expenses.
Flexible Policy Options
Choose from level term, decreasing term, or whole-of-life cover to suit your needs.
Protect Your Home
Life insurance can help your loved ones pay off the mortgage and stay in the family home.
Affordable Peace of Mind
Life insurance can cost less than you think—with tailored cover to fit your budget.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Specialist Lending
We offer flexible lending solutions for unique situations
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Life Insurance
Protect your family’s future, no matter what.
Insurance & Protection
Personalised cover for life, income, health, home, and more.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.
Commercial Mortgages are not regulated by the Financial Conduct Authority.