Protect What Matters Most
Life insurance gives your loved ones financial support when they need it most — and peace of mind for you today.
Be Prepared
What is a Life Insurance
Life insurance is a policy that pays out a lump sum if you pass away during the term of the cover. It’s designed to protect your family from financial hardship.
That payout can help cover mortgage repayments, living expenses, childcare costs, or funeral fees — easing the burden during a difficult time.
There are different types of cover available, depending on your needs and budget.
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester
Find the Right Policy Type
Level term, decreasing term, whole-of-life — we’ll explain the differences and match the right type to your situation.
Tailored to Your Mortgage or Family Setup
Whether you want to cover a mortgage or provide for children, we’ll shape the policy around your life, not just your loan.
Compare Multiple Insurers
We search across trusted UK insurers — so you get the most suitable cover, not just what a single provider offers.
Avoid Common Pitfalls
From exclusions to missed health info, we make sure your application is rock-solid — avoiding issues at claim time.
Benefits of Using a Broker for Life Insurance
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Things to Consider With Life Insurance
Policy Type and Length
Think about what you’re protecting — e.g. mortgage term, children reaching adulthood — and we’ll align your cover to that timeline.
Amount of Cover
We’ll help calculate what your loved ones would need — from repaying debts to replacing income.
Joint or Single Cover
Couples can opt for a joint policy or separate cover. We’ll explain the pros and cons so you make an informed choice.
Health and Lifestyle Factors
Your age, health history, and habits (like smoking) affect cost and eligibility. We’ll guide you through the questions honestly and clearly.
Adding Critical Illness Cover
Some policies include optional extras like critical illness cover — we’ll explain whether it’s worth adding.
FAQs
Do I need life insurance to get a mortgage?
Not always — but it’s highly recommended if someone would struggle financially without you. Some lenders may insist on it for certain deals.
What happens if I miss a payment?
If premiums aren’t paid, the policy can lapse and your cover will end. We’ll help set it up with a plan that fits your budget.
How much cover do I need?
It depends on your financial commitments. We’ll help you calculate a realistic amount based on your goals.
Can I get covered if I’ve had health issues?
Often yes — but it depends on the condition. We’ll approach the right insurers who specialise in complex cases.
Who provides the advice?
All life insurance enquiries are referred to a regulated adviser, who will provide expert, tailored guidance.
First Time Buyer
As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.
Remortgage
Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.
Self Employed
We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.
Buy To Let
From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.
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Book Your Call
Ready to make your Next Move?
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester