Life Insurance
Security for them. Peace of mind for you.
Nobody likes to think about the worst happening. But the truth is, if you have people who depend on you — a partner, children, or anyone who relies on your income — life insurance is one of the most important things you can put in place. And it's almost always more affordable than people expect.
At Pride Protect, we help people in Hull, East Yorkshire, and across the UK find the right life insurance for their circumstances. We search the whole of the market, which means we're not tied to any single insurer. We find the cover that fits your life — not the other way around.
What does life insurance actually do?
Life insurance pays out a lump sum or regular income to your family if you die or are diagnosed with a terminal illness during the policy term. That money can be used to clear the mortgage, replace lost income, cover childcare costs, or simply give your family breathing room at the hardest possible time.
Without it, your family could face losing the home they live in on top of everything else. With it, they have one less thing to worry about.
Types of Life Insurance
What type of life insurance do I need?
There is no single answer — it depends on your mortgage, your income, your family, and your goals. The main options are:
Level term insurance pays a fixed lump sum if you die within the policy term. It's straightforward and often used to cover interest-only mortgages or to leave a specific amount for your family.
Decreasing term insurance reduces over time in line with a repayment mortgage. It's typically the most affordable option for protecting your mortgage balance.
Whole of life cover guarantees a payout whenever you die — not just within a fixed term. It's often used for inheritance planning or to cover funeral costs.
Family income benefit pays a regular monthly income rather than a lump sum — useful if you want to replace the income your family would lose.
We'll explain each option clearly and help you work out which combination makes the most sense for you.
What about Critical Illness cover?
Many people add critical illness cover to their life insurance. This pays out a lump sum if you're diagnosed with a serious condition such as cancer, a heart attack, or a stroke — even if you survive. The money can be used however you need it: to cover treatment, adapt your home, clear debts, or take time away from work to recover.
It's worth knowing that you're statistically more likely to claim on a critical illness policy than a life insurance policy during your working life.
How much does Life Insurance cost?
The cost depends on your age, health, lifestyle, the amount of cover, and the policy term. A healthy non-smoker in their thirties can often get a meaningful level of cover for less than the cost of a monthly streaming subscription. It starts from as little as £5 a month.
The earlier you take out cover, the lower the premiums tend to be. Waiting costs more.
Why should I use Pride Protect rather than a comparison site?
Comparison sites give you prices — they don't tell you whether a policy actually covers what you think it does, or whether the insurer has a strong claims record. We look beyond the headline premium to make sure the policy does what it needs to do for your specific situation.
We also make sure your policy is written correctly from the start — for example, placing it in trust so a payout reaches your family quickly and efficiently rather than getting tied up in your estate.
Get in touch today for a free initial appointment — no obligation, no jargon.
