Protection Policies:

About Life Insurance and Family Income Benefit Policies

Life insurance pays out a lump sum or an ongoing income if you die and can also be set up to do so if you are diagnosed with a terminal illness.

No one wants to talk about death and serious illness however you’re probably reading this because you provide for your family financially. When you take out a Life Insurance policy you ensure that your family is still provided for even if you were to die or become terminally ill.

With a cash life insurance or Family Income Benefit pay out, your family will be able to:

  • Pay the mortgage. Your family can continue to live in the family home without the added emotional stress of downsizing or borrowing to cover the shortfall – they have choice.
  • Provide for your family – a life insurance pay-out will ease the financial pressure on your family at a very stressful time – they have security.
  • Cover your funeral costs: The cost of a funeral can be several thousand pounds and is often overlooked – they have peace of mind.
  • You can even leave an ongoing income to help pay the household bills and provide the lifestyle you would want for your family.

For more information on the most common policy types read the information provided below, or better still, speak to one of our expert advisors who can help you decide what policy is best for your individual circumstances.

Please be aware that not all life assurance policies are the same. 

There are many different types, including:

  • Level term
  • Decreasing term
  • Family Income Benefit
  • Whole of Life

And they can have additional options, such as:

  • Critical Illness Cover
  • Terminal Illness Cover
  • Index linking

Choosing the right solution for you so that the right people receive the right amount at the right time is why you need Real Life Advice

Get your FREE quote here...

Or call us on 01489 611760

or email us on

Tailored Solutions

We understand that everyone’s circumstances are different. At Real Life Advice we specialise in providing financial security for clients. This means that we guide you through what can be a complex process and ensure you get the most suitable cover at a monthly outlay you can afford.


We specialise in Life, Critical Illness and Income Protection Insurance. We don’t offer advice on investments or pensions.  As experts in our industry we are in a position to provide tailored advice from our caring staff who are dedicated to helping you prepare financially for the potential challenges that life might present to you and your loved ones.

Our commitment to you:

  • We will treat you as an individual.
  • We won’t sell to you – we will ask a number of questions that enable us to fully understand your circumstances, needs and budget and we will provide tailored recommendations.
  • Your personal information will always be treated in the strictest of confidence.
  • We won’t charge you a fee, we are paid by the product providers for the work we do.
  • From time to time or when requested by you, we will get in touch to review your protection needs and ensure your policies remain suitable. Where necessary we will make further recommendations to reflect any changes to your circumstances.
  • We aim to be professional and courteous at all times.
  • We encourage you to give us feedback as we believe it helps us continue to improve what we do as a business.
Email us here

Call 02382 352500 for expert advice today.

Real Live Advice Limited is an appointed representative of Quilter Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority.
Email us here