Do I Need Life Insurance? Find out if life cover is right for you

If anyone depends on your income, life insurance provides essential protection. Find out if you need cover and how much.

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Who Needs Life Insurance?

Life insurance is essential if anyone depends on your income or if you have debts.

You Have a Mortgage

If you died, could your family keep up mortgage payments? Life insurance can pay off the mortgage so your family stays in their home. Most lenders recommend it.

You Have Children

Raising a child to 18 costs over £150,000. Life insurance replaces your income so your children are financially secure and their future is protected.

Your Partner Relies on You

If your partner depends on your income for household bills, rent or lifestyle, life insurance ensures they can maintain their standard of living.

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Life Insurance FAQs

Answers to common questions about whether you need life insurance.

If no one depends on your income and you have no significant debts, life insurance is less essential. However, getting cover while young and healthy locks in the lowest premiums for when your circumstances change.

You may still need it if you have dependants. Life insurance is not just for mortgages — it can cover childcare costs, lost income, debts and funeral expenses.

For most people with dependants or debts, yes. A policy costing £10-15 per month could provide £200,000+ of cover, giving your family essential financial protection.

Consider your mortgage balance, annual income multiplied by the number of years your family would need support, plus any other debts. A broker can help you calculate the right amount.

It is not legally required, but most mortgage advisers strongly recommend it. Without it, your family may have to sell the home if you die during the mortgage term.