Life Insurance

Providing a Financial Safety Net For Your Loved Ones

We would rather not think of the time when we’re no longer around. But it’s important to protect the things that really matter – like our loved ones, home and lifestyle – in case the unexpected happens.


Life insurance (sometimes called ‘life cover’) is all about making sure your dependants have the money they need if you were no longer around. Its most important function is to replace the earnings that would cease at the death of the insured.

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Losing your current and future income

If you die during your earning years, your family could suffer a severe economic loss as a result of losing your current and future income. Unfortunately, your family would still have to pay its regular bills, the mortgage and outstanding debts, and perhaps even continue saving for university and retirement.


Unless you’re independently wealthy, achieving these goals may be virtually impossible for your family with the loss of your steady income. Life insurance offers a way for your family to continue living comfortably and without worry.

Helps you to financially protect your family

We insure our cars, homes and even our mobile phones – so it goes without saying that we should also be insured for our full replacement value to ensure that our loved ones are financially catered for in the event of our premature death.


Life insurance helps you to financially protect your family. It could pay out a cash sum if you die while covered by the policy. You choose the amount of life cover you need and how long you need it for, and you can pay your premiums monthly or annually. When you reach different stages in your life that require protection the appropriate level of life insurance will enable your dependants to cope financially in the event of your premature death.

Losing your current and future income

Life insurance provides a cash payout if you pass away during the policy term, helping your family stay financially secure. You choose how much cover you need and for how long, giving you peace of mind that your loved ones can manage expenses and maintain stability if the unexpected happens.

Helps you to financially protect your family

Life insurance provides a cash payout if you pass away, helping your family stay financially secure. Choose the level and duration of cover that suits your needs and ensure your loved ones are supported when it matters most.

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Coping financially during an otherwise difficult time

Life insurance provides a safety net for your family and loved ones if you die, helping them cope financially during an otherwise difficult time. Ultimately, it offers reassurance that your family would be protected financially should the worst happen.


We never know what life has in store for us, so it’s important to get the right life insurance policy. A good place to start is asking yourself three questions: what do I need to protect? How much cover do I need? How long will I need cover for? This sum must take into account their living costs, as well as any outstanding liabilities, such as a mortgage.

Obtaining the right advice and knowing which option to choose

INot everyone needs life insurance, but if your spouse, children, or relatives rely on your income for expenses, you should consider it.


Life insurance ensures they are financially protected if you die. There are two main types: ‘term life’ and ‘whole of life,’ with various variations. Whether you're providing a safety net, moving house, or arranging mortgage life insurance, choosing the right coverage is crucial. Getting the right advice on the most suitable sum assured, premium, terms, and payment options is essential.

Coping financially during an otherwise difficult time

Life insurance provides a financial safety net for your loved ones if the unexpected happens, helping them manage living costs and debts. Choose the right cover to ensure lasting security and peace of mind.

Obtaining the right advice and knowing which option to choose

If your loved ones rely on your income, life insurance can protect them financially if you’re no longer around. Whether it’s term or whole-of-life cover, getting the right advice ensures you choose the policy that best fits your needs and goals.

Frequently Asked Question's

Your questions about Insurance answered.

For further questions please get in touch


  • What is Life Insurance?

    Life Insurance is a policy that provides financial support to your loved ones if you pass away. It pays a lump sum or regular income to your beneficiaries, helping them manage essential costs such as mortgage repayments, household bills, or education expenses.


    At Aviella Consulting, we help you choose a policy that aligns with your goals, ensuring peace of mind for you and financial security for your family.

  • Why do I need Life Insurance?

    Life Insurance ensures that your family is protected from financial strain if the unexpected happens. It can help clear debts, replace lost income, or maintain your family’s lifestyle.


    Whether you’re a homeowner, a parent, or planning for the future, Life Insurance provides the reassurance that your loved ones will be looked after financially when they need it most.

  • What types of Life Insurance are available?

    There are several types of Life Insurance, each offering different benefits:

    • Level Term Life Insurance: Pays a fixed lump sum if you die during the policy term.
    • Decreasing Term Life Insurance: Commonly used to protect a repayment mortgage, with the payout reducing over time.
    • Whole of Life Insurance: Provides lifelong cover and guarantees a payout whenever you pass away.
    • Family Income Benefit: Offers regular monthly payments to support ongoing living costs.

    Aviella Consulting will help you understand your options and recommend the best type of cover for your circumstances.

  • How much Life Insurance cover do I need?

    The ideal amount of cover depends on factors such as your income, debts, dependants, and lifestyle. We work with you to calculate a suitable level of protection, ensuring your family can maintain financial stability without unnecessary costs.


    Our advice is always clear, practical, and based on your long-term goals.

  • How can Aviella Consulting help me choose the right Life Insurance policy?

    As independent advisers, Aviella Consulting compares policies from a range of leading UK insurers to find the most suitable and competitive options for you. We explain every detail in plain English, handle the paperwork, and offer ongoing support, so your cover keeps pace with life’s changes.