Life Cover

Make sure your family can carry on, whatever happens

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Life cover provides a lump sum or ongoing payment to your family if you die during the policy term — so the mortgage, the bills, and everyday life can carry on without you. It's one of the simplest and most affordable ways to protect the people who matter most, and we help families across Stockport and Greater Manchester get cover that genuinely fits their circumstances.

Types of life cover

Level term life insurance

Pays out a fixed lump sum if you die within the policy term. The amount of cover stays the same throughout, making it well suited to replacing income or covering a specific future need such as school or university fees.

Decreasing term life insurance

Often called mortgage life insurance, the cover amount reduces over time, broadly in line with a repayment mortgage balance. This makes it a cost-effective way to specifically protect a mortgage rather than provide a fixed lump sum.

Whole of life insurance

Provides cover for your entire life rather than a fixed term, guaranteeing a payout whenever you die, provided premiums are maintained. Often used for estate planning or to cover final expenses.

How much cover do you need?

There's no single right answer — it depends on your mortgage balance, other debts, your family's living costs, and what you want to provide for the future, such as childcare or education costs. As a starting point, many people consider a multiple of their income, but a proper conversation about your specific circumstances will give a far more accurate figure than a generic rule of thumb. If a health condition makes standard underwriting difficult, our non-medical underwriting page sets out the alternatives.

Why arrange life cover through TLD

  • Honest, in-person advice — we recommend what actually fits, and tell you when you don't need something
  • Access to leading UK insurers, to help find cover that fits your needs and budget — we compare across leading UK insurers to find the right fit and price for you
  • Trusts at no extra cost — where appropriate, we can place policies in trust so they pay out quickly and outside your estate
  • 12,800+ plans arranged and £1.07bn+ in cover placed since 2015
  • Named Stockport's Three Best Rated Insurance Services, 2022 to 2026
  • One point of contact — the same adviser, from quote to claim

Buying your first home? Get your mortgage and cover sorted together

If you're taking out your first mortgage, it makes sense to arrange your protection at the same time, rather than treating it as an afterthought. We help first-time buyers across Stockport and Greater Manchester get their mortgage and life cover sorted together, with one adviser handling both.

First-Time Buyer Mortgages