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Life Insurance
Looking for a quote for life insurance? Protect your family's future and provide for them when you no longer can.
What is Life Insurance?
Life insurance pays out a tax-free cash lump sum to your loved ones should you pass away. It provides peace of mind that your loved ones will be financially safe should the worst happen.
Critical illness cover can be included which pays out a lump sum should you suffer a serious illness/condition such as cancer, stroke or heart attack.
Life insurance is normally used to provide cover for a mortgage, the costs of raising children, household bills and living expenses.
Many life insurance policies will pay out early if you are diagnosed with a terminal illness
What are the different type of policies?
Level term insurance – the policy will run for a fixed term (e.g. 10 or 25 years) and the policy will only pay out if the insured party dies during the term of the policy. The amount of cover remains the same throughout the term of the policy.
Decreasing term insurance – the policy will run for a fixed term and pay out if the insured party dies during the term of the policy. The amount of cover decreases throughout the term of the policy. This time of policy is typically used to cover a repayment mortgage.
Whole of life insurance – this policy is guaranteed to pay out when you die as long as you have maintained your premium payments.
How much does it cost?
The cost of your life insurance policy will depend on:
- Your age; the older you are the more likely you are to die during the term.
- Whether you smoke; smokers are a higher risk than non-smokers.
- The amount of cover; the more life insurance cover needed the higher the premiums will be.
- The term of the policy; the longer the policy will run the greater the risk.
- Your health and lifestyle; the insurer will ask questions about your height and weight, medical history, your direct family’s medical history and your lifestyle such as how much you drink or smoke.
How long should I have a policy for?
If the policy is to cover your mortgage you should consider how long it is until your mortgage will be repaid.
If the policy is to provide cover for your children you should consider at what age they will be financially dependent and what costs do you want to provide protection for; e.g. university tuition fees.
Our Life and Health offering is provided by Howden Life & Health.
Talk to the experts and let us find the right policy for you
Try us out and see how we can help make finding the right insurance cover that little bit easier for you.
What Our Customers Say
Mal Elwood
"Very efficient, always friendly and helpful. I have used Watkin Davies for years, and they have always been competitive. I received great support recently when I had to make a claim, so I'd highly recommend them."
A Ali
"I was very impressed with the quality of the service - it was outstanding. The advisor, Ms Spear went above and beyond to give me the best driving insurance policy. The policy I have received is exactly what I was looking for. Thank you so much Ms Spear!"
Adam Kearns
"I've used Instructorcover Plus for my driving instructor insurance for a number of years. Not only are prices competitive, even at renewal, but customer service is fantastic. Call operators are always cheerful and incredibly helpful. Everything is always sorted in a single call, saving valuable time. Highly recommend."
Macca Ginger
"Absolutely superb service from the team, particularly Natalie. Very easy and simple process"
steve rudgley
"As aways very efficient"
Barrie P
"I have used InstructorcoverPlus for my driving tuition insurance for a number of years. Their prices are always competitive and everyone I speak to is friendly and helpful."
Kathryn Parkes
"Ceri was very helpful and knowledgeable on the phone"
John Gabriel
"Karrie Brewer was so helpful today, especially as one insurance company would not quote, so had to shop around for us, many thanks"
Sulman Khosty
"Kelly is amazing. Very helpful and friendly, did a great job today with helping me out to get insured. Amazing service!"
Andy Amadi
"Great service. Got my first driving instructor insurance with this firm. Price was competitive and customer service provided by Jane was great. I will definitely recommend the service."
Lynne Turner
"Team were very helpful when it came time to renew my policy, taking the time to check and make any amendments needed. Would highly recommend."
Nikki Mellin
"5 stars!"
Pam Durbin
"Excellent service from Watkin Davies as per usual. I love the way they do all the hard work researching best quotes and provide you with your options. All the staff are very friendly and professional, I have to highlight Ceri who always does a fantastic job for me and my family."
Steve P
"Really helpful and efficient customer service, friendly and knowledgeable too. I would highly recommend InstructorcoverPlus."
Ricki Dango
"I m a returning customer and what a wonderful experience. Emma is new to her role but she was very helpful and polite throughout. She got the quote done very quickly and managed to beat all my other quotations. I therefore didn't have to waste any more time. Further she offered me three instalments at 0% which is helpful in this current economic climate. The paperwork was sent straight away. Highly recommended."
Gary Williams
"Once again, could not have been more helpful! Still a pleasure to speak to a 'real person' who knew what they were talking about!"
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What Our Customers Say
Mal Elwood
"Very efficient, always friendly and helpful. I have used Watkin Davies for years, and they have always been competitive. I received great support recently when I had to make a claim, so I'd highly recommend them."
A Ali
"I was very impressed with the quality of the service - it was outstanding. The advisor, Ms Spear went above and beyond to give me the best driving insurance policy. The policy I have received is exactly what I was looking for. Thank you so much Ms Spear!"
Adam Kearns
"I've used Instructorcover Plus for my driving instructor insurance for a number of years. Not only are prices competitive, even at renewal, but customer service is fantastic. Call operators are always cheerful and incredibly helpful. Everything is always sorted in a single call, saving valuable time. Highly recommend."
Macca Ginger
"Absolutely superb service from the team, particularly Natalie. Very easy and simple process"
steve rudgley
"As aways very efficient"
Barrie P
"I have used InstructorcoverPlus for my driving tuition insurance for a number of years. Their prices are always competitive and everyone I speak to is friendly and helpful."
Kathryn Parkes
"Ceri was very helpful and knowledgeable on the phone"
John Gabriel
"Karrie Brewer was so helpful today, especially as one insurance company would not quote, so had to shop around for us, many thanks"
Sulman Khosty
"Kelly is amazing. Very helpful and friendly, did a great job today with helping me out to get insured. Amazing service!"
Andy Amadi
"Great service. Got my first driving instructor insurance with this firm. Price was competitive and customer service provided by Jane was great. I will definitely recommend the service."
Lynne Turner
"Team were very helpful when it came time to renew my policy, taking the time to check and make any amendments needed. Would highly recommend."
Nikki Mellin
"5 stars!"
Pam Durbin
"Excellent service from Watkin Davies as per usual. I love the way they do all the hard work researching best quotes and provide you with your options. All the staff are very friendly and professional, I have to highlight Ceri who always does a fantastic job for me and my family."
Steve P
"Really helpful and efficient customer service, friendly and knowledgeable too. I would highly recommend InstructorcoverPlus."
Ricki Dango
"I m a returning customer and what a wonderful experience. Emma is new to her role but she was very helpful and polite throughout. She got the quote done very quickly and managed to beat all my other quotations. I therefore didn't have to waste any more time. Further she offered me three instalments at 0% which is helpful in this current economic climate. The paperwork was sent straight away. Highly recommended."
Gary Williams
"Once again, could not have been more helpful! Still a pleasure to speak to a 'real person' who knew what they were talking about!"