Life Insurance
Straightforward guidance to help you choose the right cover for your family or business. Get AdviceWhat Life Insurance Does
Life insurance gives your family financial breathing room if you pass away.
It can help with mortgage payments, everyday bills, childcare, debts or future plans.
For business owners, it can also support the company if a key person is no longer here.
Types of Life Insurance
Level Term
A fixed amount of cover for a set number of years. Simple and ideal for long‑term family protection.
Decreasing Term
Cover that reduces over time, usually alongside a repayment mortgage.
A cost‑effective way to protect your home.
Whole of Life
Guaranteed cover that pays out whenever you pass away.
Often used for leaving a gift or planning ahead.
Family Income Benefit
Your family receives a regular tax‑free income.
A practical way to replace earnings.
Who Life Insurance Helps.
Parents & Families
Ensure your children and partner are financially protected if you’re no longer there to provide for them.
Homeowners
Cover your mortgage so your family can stay in their home without the burden of repayments.
Couples
Joint life insurance can protect both partners, ensuring the surviving partner is financially secure.
Self‑employed workers
Without employer benefits, life insurance is essential to protect your family if your income stops.
Why Life Insurance Matters
Mortgage Protection
Ensure your mortgage is repaid so your family can remain in their home.
Income Replacement
Replace lost income to cover everyday living costs, bills and childcare.
Children's Future
Fund your children’s education and future even if you’re not there.
Debt Protection
Cover outstanding debts, loans and credit cards so they don’t fall to your family.
Peace of Mind
Know that the people who matter most are financially protected, whatever happens.
Business Continuity
Protect your business from the financial impact of losing a key person.
How Much Cover Do You Need?
There isn’t one magic number that suits everyone. It’s more about looking at the life you’ve built and thinking gently about what your family would need to keep things steady if you weren’t there.
Key things to keep in mind
Outstanding mortgage balance
Annual income calculation
Outstanding Debts
Funeral Costs
Number of dependants
Future Costs / UniversityÂ
Every family’s situation is different, so it’s okay not to have it all worked out. Our adviser will refer you an adviser through Parkway Mortgages, they will go through your own circumstances at your pace, and help you find a level of cover that feels right for you.
Why Choose Insure My Health?
When you enquire about Life Insurance or Critical Illness Cover, you still begin your journey dealing with us at Insure My Health. For these two specific types of protection, we work closely with our trusted partners at Parkway Mortgages. They’re specialists in this area, and one of their advisers will get in touch to guide you through your options.
You can expect the same clear, friendly, top‑quality service you’re used to from IMH, just delivered by the people who focus on this every day. We stay connected throughout, and you’re always welcome to come back to us if you need anything.
✓ Independent, whole‑of‑market advice
✓ Friendly, clear guidance
✓ No nonsense
✓ Support from first chat through to renewal
Insure My Health are not authorised to provide advice on Life Insurance, this will be referred to a trusted third-party adviser through Parkway Mortgages.