Ensure your family can stay financially stable — even if the worst happens.
A tax-free lump sum paid to your family if you die during the policy term. It helps them stay financially secure at the toughest possible moment.
Why it matters:
- Keeps your family in the home
- Pays off the mortgage or major expenses
- Provides long-term financial stability
- Offers reassurance now, and support later
What support this cover provides:
- A tax-free lump sum on death
Pays out to your chosen beneficiaries to help support them financially if you’re no longer here. - Mortgage and family protection
Can help repay your mortgage and support your family’s day-to-day living costs. - Trust options for faster payouts
Policies can be placed in trust to help ensure money reaches your loved ones quickly. - Life-only or combined cover
Option to combine life cover with critical illness cover for broader protection.
For insurance business we offer products from a range of insurers.
Why Choose Areti
See life cover options
We build long-term financial safety nets and financial resilience through the policies that we advise on. We take the time to understand your life, commitments, and priorities, then recommend cover that fits — without jargon or pressure. And if the worst were ever to happen, we’re here to support your family through the claims process with care and clarity.
Frequently asked questions
How does life insurance pay out?
It pays a tax-free lump sum.
Why should I consider life insurance?
It helps protect your family, home, and lifestyle by covering things like mortgage repayments, living costs, or future plans if you are no longer around.
Will my premium change over time?
It doesn’t have to. We typically recommend policies with guaranteed premiums, meaning the cost is set when you take the policy out and won’t increase over time. This gives you certainty and helps keep your protection affordable long term.
What affects the cost of a policy?
The cost is influenced by things like your age, health, lifestyle, occupation, the type and level of cover you choose, and how long it runs for.
How much cover do I need?
This depends on your mortgage, outgoings, family circumstances, and future goals. It is important to work out a level of cover that fits your life — not a generic formula.
How long should my policy last?
Most people choose a term that matches their mortgage length, retirement age or until children are financially independent, but this can be tailored to your situation.
Can I change my cover in the future?
Yes. Policies can often be reviewed and adjusted as your life changes — new home, growing family, or career changes.
