Our Services
Life insurance that protects the people who matter most
If the worst happens, life insurance pays your family a tax-free lump sum so they can keep their home and cover everyday costs. We compare the whole market to find you the right cover at the right price.
from £5/mo*
Illustrative cover, healthy non-smoker
Life insurance is one of the simplest ways to look after your family. You pay a monthly premium, and if you die during the policy term your loved ones receive a tax-free cash sum. That money can clear the mortgage, replace your income and give them time to grieve without worrying about bills. As an independent, FCA-regulated intermediary we are not tied to any insurer, so we search the whole market and recommend the cover that genuinely fits your life, your mortgage and your budget. Our advice is fee-free because we are paid by the insurer, not by you.
Types of cover we arrange
There is no single best life insurance, only the right one for your situation. Here are the main options we compare for you.
Level term insurance
A fixed cash sum over a fixed term, usually 10, 20 or 30 years. The payout stays the same throughout, which suits family protection, interest-only mortgages and other debts you want to cover in full.
Decreasing term (mortgage protection)
The cash sum reduces over time to roughly track the falling balance of a repayment mortgage. It is designed to clear your home loan if you die during the term, and is usually cheaper than level term cover.
Whole of life cover
Cover that never expires and is designed to pay out whenever you die, as long as premiums are maintained. It is often used for funeral costs or to help with inheritance tax planning rather than a mortgage.
Family income benefit
Instead of one lump sum, this pays your family a regular tax-free monthly income until the end of the term. It can be easier for a household to budget around and is often a lower-cost way to protect day-to-day living costs.
Writing your policy in trust
We can help you place the policy in a trust, usually at no extra cost. This can mean the payout reaches your family faster and falls outside your estate for inheritance tax purposes.
Single or joint cover
Cover one person on a single policy, or a couple on a joint policy. A joint policy is often cheaper but usually pays out once, on the first death, so we will explain when two single policies may protect you better.
How it works
Tell us about you
We talk through your health, your mortgage, your income and who depends on you. This helps us understand how much cover you really need and for how long.
We compare the whole market
As an independent broker we search across leading UK insurers, weighing up price alongside the policy terms and definitions, not just the cheapest headline premium.
We recommend and set it up
We explain our recommendation in plain English, help you apply, and where it makes sense we can write the policy in trust so any payout reaches your family quickly.
Comparing the main types of life cover
| Type of cover | How it pays out | Best for |
|---|---|---|
| Level term | Fixed lump sum during a fixed term | Family protection, interest-only mortgages, debts |
| Decreasing term | Lump sum that reduces over the term | Repayment mortgage protection, lower cost |
| Whole of life | Lump sum whenever you die, no fixed end | Funeral costs, inheritance tax planning |
| Family income benefit | Regular tax-free monthly income to term end | Replacing income, easier household budgeting |
For general guidance only. The right cover depends on your circumstances.
Ask us about writing your policy in trust
Placing a life insurance policy in trust is usually free and can make a real difference. It can help the payout reach your family faster, without waiting for probate, and the money normally falls outside your estate for inheritance tax. We can set this up for you when we arrange your cover.
Why arrange your cover with us
Protection that pays out
Insurers pay the overwhelming majority of protection claims. The most common reason a claim is declined is information left off the application, which is exactly what good advice helps you avoid.
Source: Association of British Insurers (ABI) protection claims data. Figures are illustrative industry averages and vary by insurer and year.
Insurers we compare
Whole of market, independent advice
We are not tied to any single insurer. We compare cover and price across the UK's leading protection providers to find the right fit for you and your family.
Authorised and regulated by the Financial Conduct Authority
Dariusz Karpowicz
Chief Executive Officer, Cert CII (MP)
Ilona Karpowicz
Protection Adviser
Speak to a real adviser, not a call centre
Your protection advice is handled personally by our advisers, with no pressure and no jargon. We explain your options in plain English, arrange the right cover and stay with you at claim time.
Authorised and regulated by the Financial Conduct Authority. FRN 769375.
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Albion Financial Advice is an independent intermediary, authorised and regulated by the Financial Conduct Authority (FCA). We advise on and arrange protection cover, we are not an insurer.
Prices and figures shown are illustrative and depend on your individual circumstances. Cover, definitions and exclusions vary between insurers, and any payout is subject to the policy terms. Tax treatment depends on your circumstances and may change. This is marketing information and not the full policy terms.