Life insurance, also known as life cover or life assurance is a way to help protect your loved ones financially if you were to die over the period of when your insurance starts and finishes.
Please remember that life insurance is not a savings or investment product and has no cash value unless a valid claim is made.
You choose the amount of cover you need and how long you need it for and you can pay your premiums monthly or annually. In return, your family has the reassurance of knowing that if you died while covered by the policy they could receive a cash sum pay out if a valid claim is made.
They could use this to help with household bills, child-care costs or covering mortgage payments.
Arranging life insurance is a crucial part of Wills and estate planning here at Future Wills. There is a range of different life insurance products such a level term insurance, decreasing term insurance and many more of which we recommend you speak to us and when can help you support your financial needs.
When you make a Will it is important to review your financial status in case a loss of income stopped helping towards paying bills, child-care costs and mortgage payments, if you wish to find out more on how we can help prepare insurance for you.
All of our clients that we help shall receive fee free advice and all policies will be written into Trust free of charge.
Golden Words From Our Clients
Miss L Harrison
I would like to say a big thank you to Future Wills, after a difficult time I wanted to make a will and take life insurance to protect my 4-year-old son, your consultant was professional, friendly and patient with me start to finish.
My husband was in hospital for several months due to a sudden illness, he had majority of the income going into this account as he would usually ring up and pay the bills or transfer the money across to me. Luckily, Future Wills advised me to have this document in place, I was able to access his bank and make sure all bills were paid on time. One less problem to have at such a difficult time.
After years of having go visit my father daily, we decided it was best we move him into a care home, he struggled to manage his bills and couldn’t quite understand the process of what was going on. The fact we have both types of Lasting Power of Attorney enabled us to choose the right home to look after him and we were able sort out his pensions, savings and property in order to fund for his care.
My partner sadly had an accident and lost his mental capacity, the fact I was his attorney allowed me to re mortgage our home and sell the property in order to purchase a house to suit his mobility better. I would not have been able to do this without Lasting Power of Attorney in place.
I was recommended to set up Lasting Power of Attorney for me and my Wife, I would like to say thank you for the advice. The reason I wish to thank Future Wills, should I ask my wife to prepare such document now, I believe she would not quite understand what is going on. However, this has been taken care of as we set them up whilst we were both happy and willing to prepare for the future.
I was under the impression a Lasting Power of Attorney was mainly for people who has lost mental capacity. However, with my arthritis being so bad or not wanting to leave the house on some days. My attorneys can step in and help me with my tasks such as picking up my prescription for me, going to the bank and other physical tasks I struggle with now.
I had a Will written over 4 years ago, I saw your new client offer and thought I would take advantage and update mine. I was made to understand why my Will is so important and learnt so much information I didn’t know before. I have recommended Future Wills to all my friends & family.
Mr and Mrs Wilson
We saw a Will Writer a long time ago and made Mirror Wills, we decided to see Future Wills to review our current Wills, after a great meeting we decided Mirror Wills wasn’t the suitable option for us and made Protective Property Trust Wills many thanks to Future Wills and their team.
I was very nervous about making my Will, it was something I put off for many years. However from the first phone call to returning my Will I was made to feel welcome and the service was very professional.
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