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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.

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:

  • Term Life Insurance
  • Whole of Life Insurance
  • Critical Illness Cover
  • Family Income Benefit
  • Income Protection Insurance
  • Mortgage Protection Insurance
Life insurance for dads_2 men with children_The insurance surgery

How to apply for life insurance? 

Life insurance if you have a medical condition.

If you have a medical condition, you must speak to an expert to ensure that your policy covers the medical condition, as many policies will exclude pre-existing medical conditions. This means your family will not receive a payout if you pass due to the conditions or anything that’s affected due to the condition.

Critical illness cover.

Another invaluable life insurance product is critical illness cover. This type of insurance provides a lump-sum payout if you are diagnosed with a serious illness, as defined in the policy wording. Every critical illness policy must include specific conditions outlined in the policy.

• Cancer – excluding less advanced cases
• Heart attack – of specified severity
• Stroke – resulting in permanent symptoms

Life inusurance for dads_family on beach

Why is Life Insurance Important?

The payout helps family members to pay off any debts, such as a mortgage.

In today’s climate, it’s hard to run a household on only one income – life insurance helps to fund daily life for the remaining spouse.

Life insurance acts like a savings account you can’t dip into – ensuring that your family or beneficiaries receive an amount that would be hard to save alone.

Life insurance can pay for things like:

  • Living expenses
  • Pay off mortgage
  • Help towards rent
  • Education costs
  • Supplement living costs
  • Debt repayment
  • Funeral costs
Get a quote from an expert
Life insurance for dads_man in gym with wife

How to Claim.

It’s easy to make a claim with The Insurance Surgery. Simply follow these three steps:

Contact Your Broker/Provider

The easiest way to make a claim is to go through the insurance broker or provider you took the cover with. This not only takes the weight off your shoulders at this stressful time but also helps speed up the claim process.

Start the process via Call/Email/Post

Depending on the type of policy you have, ways to make a claim can vary. You will initiate the claim process either via telephone, email, or post for Life Insurance, Critical Illness Cover and Income Protection.

Send Required Information

Once the claim has been received your insurance provider will then request the necessary evidence in order to assess the claim. This can include but is not limited to death certificates, GP reports and specialist letters.

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 medical history
  • Your profession
  • Your chosen policy type
Get a quote from an expert
Cost of life insurance_family walking in street

Case Studies.

For more information, check out our latest blogs.