Life Insurance
Protect Your Loved Ones With the Right Cover
At Blue Sky Mortgages, we offer independent, whole-of-market advice, helping you choose the right type of cover with confidence.
Life insurance advice tailored for you.
As independent, whole-of-market advisers, we’re not tied to any insurer or provider, meaning the life insurance guidance you receive is completely impartial and focused solely on what’s right for your circumstances.
We compare policy types, premiums, cover levels and key features across a wide range of insurers, explaining everything clearly so you understand how each option works and what it means for your family’s financial security.
Our aim is to make choosing life insurance simple, transparent and fully tailored, giving you clarity, reassurance and confidence as you protect the people who matter most.
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Independent protection advice
Whole-of-market access
No complicated jargon
Friendly, efficient advisers
In person, online or phone
Why Life Insurance Matters
Life insurance provides financial protection for your loved ones if you pass away, helping secure their future and cover essential costs. It works by paying a monthly premium in return for a tax-free lump sum that’s released if you die during the policy term. This payout can be used to cover the mortgage, household bills, childcare, or any other financial commitments. Life insurance offers peace of mind and forms an important part of wider protection planning.
How Life Insurance Works
Life Insurance pays out a lump sum or regular income if you pass away during the policy term. It’s designed to offer reassurance and stability when your family needs it most.
- Provides a tax-free lump sum to your loved ones
- Helps cover the mortgage and protect your family home
- Supports everyday living costs during a difficult time
- Offers financial stability for dependants and children
- Helps maintain your family’s lifestyle and future plans
- Can cover funeral costs or outstanding debts
- Flexible cover options to suit your needs and budget
- Peace of mind knowing your family is financially protected
- Can be combined with other protection products for complete cover
We make the process simple, explaining your options clearly and helping you choose cover that fits your circumstances and budget.
Life insurance helps safeguard your family’s future by providing funds to cover major expenses, reduce financial pressure and keep the home secure.
Types of Life Insurance We Advise On
Helping you understand what level of protection is suitable for your needs.
Level Term
Pays a fixed lump sum if you pass away during a chosen term. Suitable for families wanting stable, predictable cover.
Decreasing Term
Often used to protect a repayment mortgage. The benefit reduces over time in line with your outstanding mortgage balance.
Family Income
Provides a regular monthly or annual income rather than a lump sum, helping your family manage ongoing living costs.
Whole of Life
Cover that lasts for your entire lifetime, providing a guaranteed payout whenever you pass away.
Whole-of-market access to an extensive range of insurance products.
FAQ
Your Life Insurance Questions Answered
Life insurance is a policy that pays out a tax-free lump sum to your family if you pass away during the policy term. It helps protect your home, cover essential expenses and provide financial security for your loved ones.
If you have a mortgage, dependants or shared financial responsibilities, life insurance can provide important protection. It helps make sure your family is supported financially if the unexpected happens.
This depends on your mortgage amount, income, dependants and long-term financial commitments. We help you calculate a suitable level of cover based on your circumstances and goals.
Premiums vary depending on age, health, lifestyle and the amount of cover you choose. Life insurance is often more affordable than people expect — especially when arranged early.
Common options include Level Term Life Insurance, Decreasing Term (often used to cover a repayment mortgage) and Whole of Life cover. We explain the differences so you can choose what suits you best.
It depends on the policy. Some plans have guaranteed fixed premiums, while others may increase annually. We explain each option clearly before you decide.
Yes. Many people hold multiple policies to cover different financial needs, such as mortgage protection and family income cover.
You may still be able to get cover. Different insurers assess medical conditions differently, and we compare the market to help find suitable options.
Yes, and it can make the payout quicker and more tax-efficient. We can guide you through whether placing a policy in trust may benefit you.