Life Insurance
Putting your loved ones first
Life insurance isn’t just about planning for the unexpected, it’s about protecting the people who matter most. Whether you have children, a partner or financial responsibilities like a mortgage, life cover can give you and your family real peace of mind.
At A & R Mortgage & Protection Specialists, we provide tailored life insurance advice based on your needs. We compare policies from a wide panel of trusted providers, so you don’t have to spend hours searching.
What is Life Insurance?
Life insurance is a financial safety net for your loved ones. If you pass away during the policy term, it pays out a lump sum or regular income to help cover essential costs - like mortgage payments, household bills, childcare or outstanding debts. It ensures your family can maintain financial stability during life’s most difficult moments.
Which Life Insurance Is Right for You?
We’ll help you understand and choose from a range of policy types, including:
Level Term Life Insurance – pays out a fixed amount if you pass away during the policy term
Decreasing Term Life Insurance – ideal for covering a repayment mortgage, with a payout that reduces over time
Whole of Life Cover – provides lifelong protection and a guaranteed payout
Family Income Benefit – pays a regular income to your loved ones instead of a lump sum
Why Choose A & R?
Advised Service
Recommend what’s best for individual needs
Wide Provider Panel
Real choice, not one-size-fits-all
Remote Appointments
Advice that fits around your life
No-Obligation Support
Explore your options with zero pressure
UK-Wide Expertise
Wherever you are, we’re ready to help
Frequently Asked Questions
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If you have children, a partner, or financial commitments like a mortgage, life insurance can help protect those who rely on you financially.
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We help calculate this based on your income, debts, family needs, and long-term goals to make sure you're neither under- nor over-insured.
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Not always. Many providers offer policies that don’t require a medical, depending on your health and cover amount.
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We offer no-obligation reviews to check if your current policy still suits your needs or if better value options are available.
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Yes, we can bundle policies like critical illness or income protection for more comprehensive cover.
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A broker like A & R Protection Specialists works on your behalf - not the insurer’s. We provide impartial advice, compare quotes across multiple providers and recommend the most suitable policy for your circumstances. We also manage the application for you from start to finish.
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There is no charge for life insurance advice or consultations with us. Our service is completely free and without obligation.
Got a Question? Let's Talk
Whether you're unsure about what cover you need or just want a second opinion—we're here to help.