03301246866
03301246866
Life Covered Insurance.
All Your Protection under one roof.
Specialists in:
- Life Insurance
- Critical/Serious Illness Cover
- Income Protection
- Whole of Life Cover
- Over 50s & Funeral Plans
- Private Medical Insurance
- You Could Get A COMPLIMENTARY LAST WILL & TESTAMENT (T&C Apply*)
Last Will & Testament provided by Windsor Law. Making a Will ensures that your money, property, possessions and investments are passed on to the people and good causes that YOU have chosen. If you don’t have a Will the State will decide on how your Estate should be distributed.
Many of us will know somebody who suffered from a serious or critical illness or has passed away due to cancer, all of which can have devastating personal and financial effects on their loved ones left behind.
Whilst our lives may be going well, none of us know what is around the next corner, but it is exactly at this time that plans should be made; if something was to go wrong in the future, you want to know that you and your loved ones are protected, and that your finances will not become a difficulty.
Protect what really matters to you.
Life insurance helps you make sure that your family are looked after, when you’re no longer around. It pays out a lump sum of cash upon your death.
With A Life Insurance policy, you’re covered straight away, and your family would be supported by our dedicated claims team, who would help them receive their payout as quickly as possible. Our funeral pledge also guarantees your loved ones would receive an early pay out to cover funeral costs, if the unexpected happened.
Early payout for terminal illness
Critical illness and child critical illness cover available
Critical illness and child critical illness cover available
Protect what really matters to you.
Life insurance helps you make sure that your family are looked after, when you’re no longer around. It pays out a lump sum of cash upon your death.
With A Life Insurance policy, you’re covered straight away, and your family would be supported by our dedicated claims team, who would help them receive their payout as quickly as possible. Our funeral pledge also guarantees your loved ones would receive an early pay out to cover funeral costs, if the unexpected happened.
Early payout for terminal illness
Critical illness and child critical illness cover available
Your policy premium is fixed and will not change
The types of life insurance.
Life Insurance.
Life Assurance gives you the comfort of knowing that your loved ones will be provided for should you die. There are many ways to arrange life cover and we can help you find the most appropriate plan available. When linked to a mortgage, Life Assurance ensures that in the event of death your mortgage will be repaid. This means that your dependents will be left with a mortgage-free roof over their heads.
Critical illness.
Critical illness cover, also known as critical illness insurance, is a long-term insurance policy to cover specific serious illnesses listed within a policy. Should the worst happen, it gives a tax-free ‘lump sum’ – a one-off payment, to help pay for your mortgage or rent, debts, or pay for alterations to your home such as wheelchair access should you need it, but it’s your choice how you spend it.
Family income benefit.
This a great way to protect your income and your family to provide them with an income each month if you pass away. Family Income Benefit is the same as life insurance and critical illness. The major difference is that the cover pays out a ‘monthly’ Tax-Free income rather than a single lump sum payment.
A great way for young families to protect themselves
This type of policy is a great way for young families to protect themselves and generally works out considerably cheaper than the equivalent cover. It also helps to avoid some of the issues that come with a lump sum payments such as complex investment decisions, investment advice and tax.
The cover is only for as long as the policy runs. Once the term ends, the cover and any income payments cease.
For example, if you have a 20-year policy and die five years into this, then the policy will pay out a regular income for the remaining 15 years. If you die 16 years into the policy, it will pay out for the remaining 4 years of the term. With family income benefit, the total amount paid out by the policy depends on when you pass away. If you pass away in the early years of the policy, the total pay-out will be more than if you pass away nearer the end of the term of the policy.
Income Protection.
This offers borrowers the security of knowing that their essential repayments will be made if they are off work due to an accident or sickness. For example, if you are in an accident and are unable to work for a while, a lack of comprehensive income protection cover means you will rely solely on state benefits, which are unlikely to be sufficient to meet your mortgage repayments.
Over 50’s Plan.
This policy is specifically aimed at people over 50 years old. The policy is not medically underwritten so this means you can benefit from a guarantee in acceptance of the insurance policy. This policy is great to assist with funeral expenses or leaving behind small lump sums for your loved ones. It is however important to know that the insured values are not protected against inflation so their values cannot be guaranteed in the future.
Private Medical Insurance.
Private medical insurance is a policy which covers the costs of high-quality medical facilities and medical care. PMI plays an important role in helping fund the cost of early diagnosis and treatments of acute conditions.
This type of insurance can cover anything from a few sessions of physiotherapy, to more complex procedures such as major heart surgery even biological therapy for the treatment of cancer.
This work in an equivalent way to any other insurance, by paying a monthly or annual premiums and the provider pays out for some or all of the private medical treatment that you receive.
You can take out private medical insurance as a single or a joint policy for you and you partner, this can make things easier as you’ll will only have one policy and one point of contact.
How private medical insurance works.
For most claim’s and medical treatments begin with a referral from your GP for specialist treatment. The referral can be from a NHS GP or a private GP. Any private treatment is managed by working closely with your medical insurer, to ensure that you have a quick and easy access to the correct medical treatment.
A funeral presents a large amount of money for your loved ones to find when you’re gone.
With a prepaid funeral plan, you can rest assured knowing that you are helping to reduce the financial burden on your loved ones.
At Life Covered we aim to make this difficult time as easy as possible.
Funeral Plans.
A funeral plan helps you to plan and pay for your funeral in advance. It helps to lessen the financial weight of a funeral and reduces the stress and worry for your loved ones.
Why should you take out a funeral plan?
Organising a funeral at an already difficult time can be both emotionally and financially challenging.
In 2020, the average cost of a funeral is around £4,417. This is projected to rise to year on year. By taking out a funeral plan, you can ensure that some of these costs are covered in advance, so your loved ones are not left with the burden.
Exactly how much of your costs are covered depends on which plan provider you choose, but most providers guarantee to cover the funeral directors’ costs for arranging and conducting the funeral. This means you can ‘lock in’ these costs at today’s prices, meaning the sooner you take out a funeral plan, the more money you are likely to save.
There are also additional costs associated with a funeral, such as cremation or burial fees. Different plan providers treat them in various ways. Planning ahead also helps save your friends and family additional worry when you die.
The types of life insurance.
Life Insurance.
Life Assurance gives you the comfort of knowing that your loved ones will be provided for should you die. There are many ways to arrange life cover and we can help you find the most appropriate plan available. When linked to a mortgage, Life Assurance ensures that in the event of death your mortgage will be repaid. This means that your dependents will be left with a mortgage-free roof over their heads.
Critical illness.
Critical illness cover, also known as critical illness insurance, is a long-term insurance policy to cover specific serious illnesses listed within a policy. Should the worst happen, it gives a tax-free ‘lump sum’ – a one-off payment, to help pay for your mortgage or rent, debts, or pay for alterations to your home such as wheelchair access should you need it, but it’s your choice how you spend it.
Family income benefit.
This a great way to protect your income and your family to provide them with an income each month if you pass away. Family Income Benefit is the same as life insurance and critical illness. The major difference is that the cover pays out a ‘monthly’ Tax-Free income rather than a single lump sum payment.
A great way for young families to protect themselves
This type of policy is a great way for young families to protect themselves and generally works out considerably cheaper than the equivalent cover. It also helps to avoid some of the issues that come with a lump sum payments such as complex investment decisions, investment advice and tax.
The cover is only for as long as the policy runs. Once the term ends, the cover and any income payments cease.
For example, if you have a 20-year policy and die five years into this, then the policy will pay out a regular income for the remaining 15 years. If you die 16 years into the policy, it will pay out for the remaining 4 years of the term. With family income benefit, the total amount paid out by the policy depends on when you pass away. If you pass away in the early years of the policy, the total pay-out will be more than if you pass away nearer the end of the term of the policy.
Income Protection.
This offers borrowers the security of knowing that their essential repayments will be made if they are off work due to an accident or sickness. For example, if you are in an accident and are unable to work for a while, a lack of comprehensive income protection cover means you will rely solely on state benefits, which are unlikely to be sufficient to meet your mortgage repayments.
Over 50’s Plan.
This policy is specifically aimed at people over 50 years old. The policy is not medically underwritten so this means you can benefit from a guarantee in acceptance of the insurance policy. This policy is great to assist with funeral expenses or leaving behind small lump sums for your loved ones. It is however important to know that the insured values are not protected against inflation so their values cannot be guaranteed in the future.
Private Medical Insurance.
Private medical insurance is a policy which covers the costs of high-quality medical facilities and medical care. PMI plays an important role in helping fund the cost of early diagnosis and treatments of acute conditions.
This type of insurance can cover anything from a few sessions of physiotherapy, to more complex procedures such as major heart surgery even biological therapy for the treatment of cancer.
This work in an equivalent way to any other insurance, by paying a monthly or annual premiums and the provider pays out for some or all of the private medical treatment that you receive.
You can take out private medical insurance as a single or a joint policy for you and you partner, this can make things easier as you’ll will only have one policy and one point of contact.
How private medical insurance works.
For most claim’s and medical treatments begin with a referral from your GP for specialist treatment. The referral can be from a NHS GP or a private GP. Any private treatment is managed by working closely with your medical insurer, to ensure that you have a quick and easy access to the correct medical treatment.
Funeral Plans.
A funeral presents a large amount of money for your loved ones to find when you’re gone.
With a prepaid funeral plan, you can rest assured knowing that you are helping to reduce the financial burden on your loved ones.
At Life Covered we aim to make this difficult time as easy as possible.
A funeral plan helps you to plan and pay for your funeral in advance. It helps to lessen the financial weight of a funeral and reduces the stress and worry for your loved ones.
Why should you take out a funeral plan?
Organising a funeral at an already difficult time can be both emotionally and financially challenging.
In 2020, the average cost of a funeral is around £4,417. This is projected to rise to year on year. By taking out a funeral plan, you can ensure that some of these costs are covered in advance, so your loved ones are not left with the burden.
Exactly how much of your costs are covered depends on which plan provider you choose, but most providers guarantee to cover the funeral directors’ costs for arranging and conducting the funeral. This means you can ‘lock in’ these costs at today’s prices, meaning the sooner you take out a funeral plan, the more money you are likely to save.
There are also additional costs associated with a funeral, such as cremation or burial fees. Different plan providers treat them in various ways. Planning ahead also helps save your friends and family additional worry when you die.
CUSTOMER REVIEWS.
Our customers think we’re “Excellent”.
I had a lovely conversation today with a gentleman called Adam, He helped me with my Life Insurance and other legal documents. I would highly recommend this company to anyone in the UK. They work with the leading life insurance providers. All requests were listened too, Made my life a lot easier and smoother. Very professional manner and a lot of free advice was given. If you anyone needs to review your existing Life insurance arrangements or you don’t have any in place at the moment. Please give this company a call for options that are available to you and your family.
Tally Basra
5* Star Review on Google
Life Covered Customer
Very helpful and polite advisor, helped me find the right policy for me and my family. Very impressive and would recommend this company for sure.
Sukh Singh
5* Review on Google
Life Covered Customer
Used Life Covered for my Private Medical and my Life Insurance. Great team, great service.
Baljit Virdee
5* Review on Google
Life Covered Customer
I had a lovely conversation today with a gentleman called Adam, He helped me with my Life Insurance and other legal documents. I would highly recommend this company to anyone in the UK.
Tally Basra
5* Star Review on Google
Life Covered Customer
Very helpful and polite advisor, helped me find the right policy for me and my family. Very impressive and would recommend this company for sure.
Sukh Singh
5* Review on Google
Life Covered Customer
Used Life Covered for my Private Medical and my Life Insurance. Great team, great service.
Baljit Virdee
5* Review on Google
Life Covered Customer
Life Insurance FAQs
New to life insurance? Let us guide you through
Life insurance can help relieve the financial burden on your loved ones if the worst ever happened to you. The payout could cover things like daily living costs or remaining debts like a mortgage.
Think about the reason you've taken life insurance, and who will get the lump sum payout if you died. You might have a young child who chooses to go to university one day, so making sure your life insurance covers that period of time could help provide financial security.
The amount of life cover you need should be enough to maintain your loved one’s standard of living if you die. This could help provide your family with financial security for the future.
Contact details.
Business Address
2 - 4 St Georges Way,
Leicester,
LE1 1SH
Tel: 0330 124 6866 Email: Info@life-covered.co.uk
Opening times:
Monday - Thursday 10am - 7pm
Friday 9am - 5pm
Saturday - Sunday Closed
All Your Protection under one roof.
Specialists in
Life Insurance
Critical/Serious Illness Cover
Income Protection
Whole of Life Cover
Over 50s & Funeral Plans
Private Medical Insurance
You could get a COMPLIMENTARY LAST WILL & TESTAMENT (T&C Apply*)
CONTACT US
Main Office
2 - 4 St Georges Way, Leicester Leicestershire LE1 1SH
Phone
0330 124 6866
