No one likes to think about a time after they’ve gone, but life insurance could offer reassurance and comfort to you and your loved ones.

For most of us, life is a series of important milestones that may cause us to think about the future. Inevitably, when we think about our life and beyond, we can’t help wonder about the people we leave behind. It’s possible that your dependants or next of kin may become financially responsible for any of your outstanding debts or expenses like childcare costs, a mortgage or even funeral, medical or care costs.

Even if you have been careful with your finances and have no outstanding debts, you may simply wish to leave a legacy to your loved ones, and help to contribute to the future cost of living for any dependants or give a small sum to help cover the cost of your funeral. These plans have no cash in value at anytime and will cease at the end of the term. If premiums are not maintained, then cover will lapse.