Life is unpredictable but with the right protection in place, you can feel confident knowing your loved ones are financially secure, no matter what happens. At Empire Mortgages, we offer clear, friendly, and professional advice on life insurance tailored to your personal circumstances and mortgage needs. Whether you’re a first-time buyer or remortgaging your home, life insurance can provide vital peace of mind.
Life insurance is a policy that pays out a lump sum or regular income to your loved ones if you pass away during the term of the policy. It’s designed to ease the financial burden of losing a family member especially if that person is responsible for paying a mortgage or household bills.
There are several types of life insurance available, and choosing the right one depends on your personal situation. That’s where we come in.
We work with providers across the whole market to offer a range of life insurance options:
Level Term Life Insurance
This type of policy pays out a fixed lump sum if you pass away during the policy term. It’s ideal for protecting your family and ensuring financial stability for your children or partner.
Decreasing Term Life Insurance
Often used to cover a repayment mortgage, this policy’s payout decreases over time—just like your mortgage balance. It’s usually more affordable and ensures your home is fully paid off if the unexpected happens.
Family Income Benefit
Instead of a lump sum, this policy pays out a regular income to your family for a set number of years. It’s a great way to maintain monthly living costs and household stability.
Whole of Life Insurance
This policy covers you for your entire lifetime, with a guaranteed payout. It’s often used for inheritance planning or to cover funeral costs.
Add Critical Illness Cover
Many of our clients also consider critical illness cover, which provides a payout if you’re diagnosed with a serious illness such as cancer, heart attack, or stroke. It can help with medical bills, living costs, or replacing lost income.
At Empire Mortgages, we don’t just look at figures—we look at your full picture. Our advisers will take the time to understand your goals, budget, and circumstances, and recommend the right policy to meet your needs.
With us, you’ll benefit from:
Whether you’re getting a mortgage with us or simply looking to review your existing cover, we’re here to help.
If you have a mortgage, life insurance can ensure your family won’t lose their home if you’re no longer around to make the payments. The last thing anyone needs during a time of grief is financial pressure.
By setting up a suitable policy, you:
It’s not just a financial decision—it’s a caring one.
Your peace of mind is just a phone call away. Whether you’re buying your first home or reviewing existing cover, we’re here to help you make the right choice. Contact us today.
If someone else relies on your income, or if you want to protect your home, life insurance is strongly recommended. It ensures your family won’t struggle with mortgage payments if the worst happens.
That depends on your mortgage balance, living costs, and whether you want to provide extra financial support to your family. We’ll help you calculate the right amount.
Yes, possibly. Some providers are more flexible than others. We can explore insurers that may be more accommodating to your health background.
We’re happy to review any existing cover to make sure it’s still suitable. In many cases, people are underinsured—or overpaying.
Refer a Friend Scheme
Recommend a friend who is new to Empire Mortgages and if they then take out their mortgage with us, you’ll each receive £50 worth of vouchers.
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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Empire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Tenet Lime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
Empire Mortgages Ltd may charge a fee for mortgage advice. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Our typical fee is £295 payable on receipt of a full mortgage offer.
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