Expert guidance to protect your mortgage and loved ones from a life insurance advisor
LIFE INSURANCE ADVISOR
Whether you’re in Aberdeen, London, or anywhere in the UK, our expert team provides clear, friendly advice from an life insurance advisor
A life insurance advisor can help you protect your family’s future and your mortgage without bias or sales pressure. At Hay-House Financial Services, we offer honest, expert advice tailored to your needs—ensuring the right life insurance cover is in place when it matters most.
At Hay-House Financial Services, whether you’re based in Aberdeen, London, or anywhere across the UK, our expert team is here to support you. We provide clear, friendly, and jargon-free advice to help you understand your options and feel confident in your decisions. Our goal is to make life insurance straightforward and reassuring—giving you peace of mind that your loved ones are financially protected, whatever life brings.
Life insurance provides a lump sum or monthly benefit if you pass away during the term of your policy. A life insurance advisor helps you understand the options and ensures your policy matches your goals. Funds can be used to:
- Pay off your mortgage balance
- Cover household bills and living expenses
- Support your children’s future
- Provide long-term financial stability for your loved ones
Mortgage life insurance ensures that your home remains in your family’s hands, even in the worst-case scenario.
Types of Life Insurance we offer
With help from a life insurance advisor, you can choose the cover that truly fits your family’s needs.
Mortgage Life Insurance (decreasing term)
- Designed to cover your repayment mortgage
- The payout reduces in line with your mortgage balance
- Cost-effective cover that protects your home
Level Term Life Insurance
- Pays a fixed lump sum on death
- Suitable for covering interest-only mortgages or providing additional family cover
- Ideal for broader protection beyond just mortgage debt
Family Income Benefit
- Instead of a lump sum, it pays monthly income
- Helps your family maintain their lifestyle and cover monthly costs
- A great alternative for income replacement
- Protects your mortgage and property
- Provides income protection for your family
- Affordable monthly premiums based on your circumstances
- Peace of mind for you — financial security for your loved ones
- Quick and hassle-free setup with our expert advice
Don’t leave your family vulnerable. Secure their future with the right life insurance policy today.
- A mortgage or rent to pay
- Financial dependents like a partner or children
- Joint financial commitments
- A desire to protect your family’s home and lifestyle
Even if you’re single or renting, early planning ensures future security — and policies can cost less the younger you are.
A life insurance advisor can help you calculate:
- The amount needed to repay your mortgage
- The income your family would need over time
- Whether you need cover for just the mortgage or for broader protection
We’ll recommend the right balance — no hard sell, no jargon.
- Life insurance advisor — we work for you, not the insurer
- Access to a wide panel of top UK insurers
- Honest, personalised advice tailored to your goals
- Options to combine life cover with critical illness or income protection
- Annual reviews — ensuring your cover stays relevant to your life
Our advice is always tailored, clear, and focused on what matters most: your family’s future.
Protect what matters most
Your mortgage protects your home — life insurance protects the people inside it. Let us help you find the right cover for your circumstances.
Contact Hay-House Financial Services today for expert advice on life insurance.
Call us on 07502 523238 or Email sl@hay-house.co.uk to book your consultation today for expert, financial advice you can trust.