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Life Insurance For Dads

Being a parent is all about looking out for your little ones. The Insurance Surgery’s life insurance for dads ensures that you can protect the future of your family.

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What Is Life Insurance for Dads?

As a father, protecting your family’s financial security is paramount. Life insurance for fathers allows you to leave behind a lump sum for your family after your untimely passing, making your family’s life that little bit easier following your death. There is a whole range of reasons as to why fathers across the nation take out life insurance. Some reasons include:

Mortgage cover

Replacing lost income

Paying funeral costs

Covering outstanding debts

Paying bills

How Does Life Insurance for Dads Work?

Here at The Insurance Surgery, we are passionate about offering peace of mind to all types of fathers. So it doesn’t matter whether you’re a single dad of three or a married father of a newborn, we can help you find the insurance policy that best suits your circumstances.

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!

Following a conversation with one of our experts, they will consider your requirements and budget before seeking out the perfect policy for you. There is quite a selection of insurance options to choose from, including:

A term life insurance policy...

Term life insurance policy covers a specified duration, such as 10, 20, or 30 years. Should the insured individual pass away during this period, the policy pays a lump sum to their designated beneficiaries.
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Whole-of-Life Insurance

Whole-of-life insurance covers a person’s entire lifespan, provided premiums are consistently paid. It delivers a lump sum to beneficiaries upon the insured’s death.
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Critical Illness Cover

On top of life insurance, we can also find critical illness cover to protect your family’s finances with a lump sum should you become unwell and unable to work.

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Income Protection Insurance

Income protection insurance can support you if an illness or injury prevents you from working, meaning you don’t have to rely on savings or sick pay.

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Mortgage Protection Insurance

Mortgage life insurance will cover your remaining mortgage balance if you pass away or develop a terminal illness, giving loved ones one less thing to worry about.

Find Out More
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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.

How Much Does Life Insurance for Dads Cost?

The cost of life insurance can vary massively from person to person, as there are many unique factors that can affect the quotes you’re offered. These can include:

Your age

Your lifestyle

Your profession

Your chosen policy type

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

Life Insurance for Dads Example 1 Cost

Iman is a 36-year-old dad of three and a freelance photographer. He is looking for £415,000 in life insurance.

We managed to find Iman the following policy:

Cover amount:

£415,000

Monthly cost:

£26.71

Duration of
Policy:

34 Years

Untitled design (52)
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Life Insurance for Dads Example 2 Cost

Alistair is a 63-year-old dad of one who already had cover of £150,000, with a premium of £90 a month. He only has £50,000 left on his mortgage, with just under four years remaining. He made the decision to review his policy and save money.

We were able to cut 75% off Alistair’s monthly premiums by updating his current policy:

Cover amount:

£50,000

Monthly cost:

£32.00

Duration of
Policy:

7 years

Untitled design (53)
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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

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

What Are the Different Types of Life Insurance Policies?

How different policies payout over time.

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Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Get a Quote
  • 15 Minute Read Time

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.  

Read More
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Price Promise.

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
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can I buy life insurance for my dad?

It is possible to buy life insurance for a parent if you’re able to prove that you have an insurable interest in him, meaning that you would struggle financially if he were to die.

How much life insurance your dad needs can depend on a whole range of factors. He’ll first need to consider how much of a payout his family would require to meet their financial obligations if he were to die. For example, a father of one may not require nearly as much coverage as one with six children.

Dads may need life insurance in order to protect their family’s financial future if anything were to happen to them. If people are dependent on their income for mortgage payments, covering bills, etc, life insurance can provide families with peace of mind.

For many people, the beginning of starting a family is the prime time to take out life insurance. So, if you’ve just had a baby, it’s important to do your bit to protect their financial future in case anything were to happen to you. Here at The Insurance Surgery, we can help new dads find the perfect insurance policy to suit their needs. 

At The Insurance Surgery, we’re all about making insurance simple and accessible to everyone. We understand why parents are keen to protect the financial security of their children and have 25 years of experience in providing life insurance for fathers. You can rely on your dedicated advisor to find the best insurance fit for your needs so that you can rest assured that your family is secure should you pass.

Start your life insurance journey today and talk to one of our advisors for free. The people at The Insurance Surgery are keen to help.

Life insurance is unique – just like you.

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Life Insurance for Smokers

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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.

Price promise terms & conditions: Please read our price promise terms and conditions which will tell you more about our promise.