Life Insurance for Mums: Affordable Protection for Your Loved Ones
Finally gain the peace of mind you’re after by protecting your family’s future with life insurance for mums. Whether it’s the conversation you’ve been trying to avoid or simply something you’ve never really thought about until now, this is one of the simplest and most powerful steps you can take to ensure that if the worst was to happen, your partner and children would be financially secure.
Why You’ll Never Need To Look Elsewhere For Life Insurance
Completely Free Service
Our advice is completely free of charge. Setting your life insurance up for you? Yep, also free! There are absolutely no catches nor hidden fees, just expert support for you and your family.
Save More Monthly
We work with all of the UK’s biggest insurers, so we’ll always match you up with the one that’s offering the best life insurance at the lowest monthly cost for your specific situation.
Lifetime Support
Life moves fast, and we’ll move with it. Whenever a new chapter begins, we’ll review your cover to ensure you’re always fully protected, meaning you’ll have peace of mind at all times.
Why life insurance for mums matters no matter your situation
Being a mum is a full-time job in itself. From school runs and sick days to homework help and preparing meals, you truly are the glue holding everything together.
Replacing even a fraction of what a mum does would cost a family thousands of pounds a year, according to Investopedia. If the worst were to happen, life insurance can provide a financial safety net to help cover all of those costs while also giving your partner the financial breathing space to focus on supporting your children through the most difficult time of their lives.
If you’re also the primary earner, the need for protection is even greater. Mortgage repayments, household bills, and day-to-day living costs won’t stop, and life insurance can help ensure your family still has the ability to pay them.
So, whether you work full-time, part-time, or you’re a stay-at-home mum, your contribution to family life is invaluable. Life insurance for mums is about ensuring that if the worst happens and you can’t make that contribution, your family are still supported in some way.
The stats behind why life insurance for mums matters
Here are three stats we think every mum needs to bear in mind when considering whether taking out life insurance is worth it:
- The cost of raising a child to age 18 is £260,000 for a couple and £290,000 for a lone parent, according to the
- It costs £148.82 per week for full-time childcare
- The average cost of a simple attended burial is £4,758
Those are costs that simply can’t be ignored. If you passed away, your partner would face a financial mountain: finding and funding care, covering the costs of raising your children, and paying for your funeral, all while potentially having to scale back their working hours or slowing down their career progression.
Having life insurance for mums in place can significantly reduce the size of that financial mountain, leaving your loved ones in a much better position.
Don’t leave your family unprotected. We’ve got you covered.
Tailored advice for mums, built around your life and budget
Finding the right life insurance for mums is about far more than completing a short questionnaire and choosing the lowest-priced policy. The real priority is ensuring that, should the unexpected happen, you, your loved ones and your home have the protection you need. Saving a few pounds each month may seem appealing now, but it can be little consolation if your cover falls short when your family needs it most.
Of course, making sure it fits comfortably within your budget is just as crucial, and that’s why our dedicated protection advisors take the time to get to know you and your circumstances, so you can get the best of both worlds.
That dedication matters, especially when your situation isn’t straightforward. Most mortgage brokers handle protection as part of the package, and for simple cases that works perfectly well. But complex cases deserve a specialist who focuses on insurance and nothing else, which is exactly why we’ve built a team of them.
Our Approach
Everyone likes to know what to expect before getting started, it’s only natural. That’s why we want to walk you through exactly what the process looks like when you trust us to secure your life insurance.
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01/ 04Let’s get to know you
Everything starts with a conversation. We take the time to understand your personal circumstances, family situation, financial commitments, and long-term goals. We’ll also review any health, occupation, and lifestyle or activity disclosures to ensure we have a complete picture. This allows us to provide advice that’s tailored to you and helps us identify the insurers most likely to offer suitable terms.
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02/ 04We build a plan around you
No two mums are the same, so neither are our recommendations. Once we’ve understood your needs, we’ll research the market and put together a life insurance package designed specifically for you.
We’ll explain your options clearly, discuss the benefits of each solution, and make sure you feel confident that the cover you’ve chosen provides the protection you and your loved ones need.
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03/ 04We take care of the paperwork
We’ll complete and submit the application on your behalf, guide you through any additional information that may be required, and liaise with the insurer throughout the process. Our goal is to make everything as simple and stress-free as possible while keeping you informed every step of the way.
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04/ 04We’re here for the long run
Our relationship doesn’t end when your policy starts. We’re always available to answer any questions you may, discuss changes in your circumstances, or review your cover as your needs evolve over time. And if the worst were to happen and a claim needs to be made, we’ll be there to support your family through the process, helping to make a difficult time that little bit easier.
Starting a family? Here’s why now is the time to get covered
If you’re trying for a baby, or you’ve just found out you’re pregnant, it’s easy to assume life insurance is something to sort out later. But this stage, before your baby arrives, is actually one of the best times to get cover in place.
For one, it’s often the cheapest it will ever be. Premiums are based largely on your age and health, so applying now means you’re likely to be at your healthiest for this policy. Waiting even a year or two can mean paying more for the exact same level of cover.
It also means your protection is already in place the moment your baby is born, rather than something you’re scrambling to arrange in those first chaotic months. If you’re pregnant now, you can absolutely still apply. Insurers will usually ask some standard questions about your pregnancy, but it doesn’t typically prevent you from getting cover.
What type of life insurance might mums need?
There are several cover options available with your life insurance. We’ve outlined the key choices below to help you understand what’s available. We’ll explain each option, answer any questions you may have, and help you choose the cover that best suits your needs and those of your family.
- Level cover – Your cover pays out a fixed lump sum that stays the same throughout the policy term
- Decreasing cover – Designed for repayment mortgages and loans. The cover amount reduces over time as your outstanding balance decreases.
- Increasing cover – Helps your cover keep pace with the cost of living. Your cover amount and premiums increase each year in line with CPI
- Joint cover – Cover for you and your partner under one policy. The policy pays out once on the first death and then ends, leaving no cover for the surviving partner.
Calculate the Financial Risks You’re Facing
Taking out life insurance as a mum is an important way to protect the people who matter most. While you’re here, it’s also worth taking a moment to look at your wider financial protection. Use the calculator below to see the likelihood of experiencing major life events that could affect your finances, helping you spot potential risks to yourself, your family, and your home.
Frequently Asked Questions
This depends on your individual circumstances, including outstanding debts like a mortgage, ongoing living costs, childcare expenses, and how many years of income you’d want to replace. Some people use a rough multiple of their salary as a starting point, others calculate it based on specific costs they want covered. We’ll help you work out a figure tailored to your situation.
Pregnancy itself doesn’t usually prevent you from getting cover, though insurers may ask about your pregnancy and any complications as part of the health questions. Existing health conditions can affect premiums or terms, but it’s usually still possible to find cover. It’s best to disclose everything accurately, since inaccurate information could affect a claim later.
Cost depends on factors like your age, health, smoking status, the amount of cover, and the policy length. Generally, the younger and healthier you are when you apply, the lower your premiums are likely to be.
It’s worth reviewing your cover whenever your circumstances change significantly, including having more children, moving house, or taking on more debt, to check the amount of cover still meets your family’s needs.
You can, though many parents instead name a trusted adult or set up a trust to manage funds on a child’s behalf, since children can’t legally receive a payout directly until they’re 18. Setting up a trust can also help the payout avoid inheritance tax and reach your family more quickly, bypassing probate.
Still have questions?
Please reach out to us anytime for assistance.
Other forms of protection for mums to consider
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Critical Illness Cover
50% of people in the UK will be diagnosed with cancer in their lifetime. A sobering statistic that is easy to ignore until it isn’t. However, having critical illness cover in place means that if the worst does happen, money is the last thing you’ll need to worry about.
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Family Income Benefit
If you died tomorrow, your family wouldn’t just lose you, they’d either lose a salary, support that would otherwise cost thousands of pounds, or both. Family Income Benefit makes sure income keeps arriving every month, for years to come.
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Mortgage Payment Protection
You’ve worked incredibly hard to get on the property ladder, so don’t let injury or illness put it at risk. Securing the right protection means your mortgage will still get paid even when you’re unable to work for a while.