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Family Life Insurance

We understand that every family is different and are keen to help find the best life insurance cover to support your household. Whether you’re a single parent or newlyweds we can find a policy to protect your loved ones when you’re no longer around.

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What Is Family Life Insurance?

Family life insurance safeguards your family’s future. If you’re wondering why people take out family life insurance, it could be because:

  • They got married
  • Their family has grown
  • They bought a house
  • They had children
  • They want to leave security or a gift for their grandchildren

Whatever the reason, life insurance family cover can promise you the security of knowing that your loved ones are protected when you are no longer around to support them.

How Does Family Life Insurance Cover Work?

STEP 1
Complete form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!

Family life insurance may simply be a single life insurance policy or a family life insurance plan made up of a range of products. The exact products you include in your plan will depend on your wishes and your family’s needs.

Let’s look at the different products you could include in your family life insurance plan:

Life Insurance

The most obvious element of your family life insurance plan is life insurance, itself. So, rest assured your loved ones’ finances are protected after your passing with life insurance cover.

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Critical and Serious Illness Cover

If you’re diagnosed with a serious illness, critical illness cover pays out a lump sum or a regular income. You can use this to maintain your living costs or to aid your recovery.

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Over 50s Life Insurance

Over 50 life insurance policies may provide more value than a standard policy if you’re aged between 50 and 80 years old.

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Whole Life Insurance

For complete security, whole life insurance may be the best fit. This cover lasts your entire lifetime and pays out a lump sum to your family when you die.

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Income Protection Insurance

If you can’t work because of illness or injury, income protection insurance can keep you financially afloat until you’ve recovered and are able to return to work.

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Mortgage Protection Insurance

Mortgage protection insurance will pay off the remainder of your mortgage if you become terminally ill or die. This means your family can keep their home without the need to cover payments after you pass.

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There are many pros and cons to each type of insurance policy. But we don’t expect you to know the answers! When you talk to our team, we’ll explain the details of each type of life plan and help you figure out what is suitable for you and your family.

You should consider life insurance if you have…

Dependants, like school-age children.

A partner who relies on your income.

A family living in a mortgaged or rented home.

In the event of your passing, a life insurance policy can provide financial support for your loved ones. You could also consider funeral cover, which pays for funeral expenses – easing the burden on your family during a difficult time.

However, you should check if you’re already covered through your employer’s benefits package, which often includes ‘death in service benefits’ linked to your salary. If so, you might not require an additional policy, BUT keep in mind that leaving your job or being made redundant could leave you without any cover!

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  • 15 Minute Read Time

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Read More

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.
Read More

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Family Life Insurance Costs

Your life insurance quote can depend on a wide range of circumstances, including factors like:

Your age

Your lifestyle

Your family’s medical history

Smoker Status

The length of your policy

Your occupation

Medical conditions

For a clearer idea of the average cost of life insurance, visit our Guide.

Family Life Insurance Example 1 Cost

Maria, aged 30, and Steve, 33,  have three children. Maria works part-time in retail and earns £24,000. Steve is an IT developer and earns £42,000. Both are in good health and non-smokers. 

They want to take out a joint life insurance policy with a payout of £350,000 to cover the mortgage over a term of 30. A decreasing mortgage plan has been advised as the most appropriate product.

We found Maria and Steve the policy below:

Total Cover
Amount:

£350,000

Monthly Premium
Cost:

£16.80

Duration of
Policy:

30 years

Family Life Insurance Example 1 Cost
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Family Life Insurance Example 2 Cost

Rachel is 36 years old. She is a police officer, with a salary of £38,000. She smokes but is in good health. She is a single parent with one child and owns her home outright. 

She is looking for a family life insurance plan that will pay out £180,000 to help her parents look after her daughter. She would also like to include income protection in case she can’t work for any reason.

The monthly benefit she will receive from her income protection benefit after her deferred period of 6 months is £2000 per month (this benefit can only start once her 6-month sick pay ends).

We found Rachel the policy below:

Total Cover
Amount:

£180,000

Monthly Premium
Cost:

£46.59

Untitled design (55)
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How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

30%

of people get life insurance due to becoming a parents

Forbes Advisor, 2025

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Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
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cover for your circumstances.

Frequently Asked Questions

Can you get family life insurance?

Yes, family life insurance exists! Your family life insurance plan could include just life insurance or life insurance combined with serious or critical illness insurance, mortgage protection insurance, income protection, or family income benefits.

Individuals who are named as the beneficiaries of a life insurance policy can generally claim the death of the policyholder. However, you should always check the policy documents and speak to your insurance provider to get the exact details of the process.

If you take out a whole life insurance policy, it will pay out a lump sum on your death. If you take out a term life insurance policy, a lump sum will only be paid if you die during the time period covered by the policy. If you die after the term policy ends, your family won’t get anything.

Yes, you can take out life insurance on a family member, but you must be able to prove that their death would cause you financial loss. This is called insurable interest. For instance, if that family member owes you a large sum of money or you would have to pay for their funeral and other expenses, you may be able to take out life insurance on them. However, insurance providers vary in their approach to this, so it’s best to speak to an advisor.

Life insurance is unique – just like you.

Life Insurance for Parents

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Life Insurance for Dads

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Life Insurance for Sports & Hobbies​

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Life Insurance for Self-Employed

Find Out More

Income Protection

Find Out More

Life Insurance for Smokers

Find Out More

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.
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Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm
Get a Quote
Call us on 0800 083 2829
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Copyright © 2025 The Insurance Surgery Ltd. The Insurance Surgery is authorised and regulated by The Financial Conduct Authority. We are entered on the Financial Services Register No 401425 at https://www.fca.org.uk Registered in England and Wales. No 5137288. Registered and trading from 2nd Floor, Pickford Street Mill, Pickford Street, Macclesfield, SK11 6JD The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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