Rest knowing you did your best for your family.
If the worst happens, life insurance helps make sure your family isn’t left with financial worries.
It can help clear the mortgage, replace lost income and give the people you love financial security for life.
We’ll help you find the right cover — completely fee-free.
How we help:
•
Free and friendly advice
•
Identify the right policies for you
•
Compare suitable insurers
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Find the best cover for your budget
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Handle the application form from start to finish
What is life insurance?
Simple. You pay a monthly premium and, if you die during the term of your policy, it pays out.
That money could help your family:
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Pay off the mortgage
•
Cover the bills
•
Replace lost income
•
Support your children
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Clear other debts
Because losing you shouldn't mean losing their financial security too.
Life insurance is cheaper than you think.
Protecting the people you love doesn't have to cost a fortune. In fact, £200,000 of life insurance could cost less than your monthly streaming subscription.
Here's what £200,000 of life cover over 25 years could cost:
Your age
Example monthly cost
25
£7.20
35
£11.81
45
£25.16
As you can see, the younger you are when you take out cover, the less you're likely to pay. So don’t delay; call Moat today.
Illustrative monthly premiums for a healthy non-smoker, £200,000 single-life level term insurance over 25 years. Actual prices depend on personal circumstances, underwriting and insurer. Life cover only; critical illness cover not included.
We’ll help you choose the right type of life insurance.
There are several different options to protect the people you love.
Level term
The amount of cover stays the same throughout the policy.
For example, if you take out £300,000 of cover for 25 years, the policy could pay £300,000 whether you die in year one or year 24.
Decreasing term
The amount of cover reduces over time.
It's often used alongside a repayment mortgage because, broadly speaking, the amount you owe on your mortgage should also reduce over time.
Increasing term
The amount of cover increases over time, often in line with inflation.
This can help protect the real value of your cover as the cost of living rises.
And we’ll help you…
…calculate the cover you need
We’ll look at your mortgage, income, outgoings and the people who depend on you to help work out how much protection you need.
…choose the best provider
Price isn’t everything. We’ll compare cover, policy features, service and claims payout records to help you choose a quality insurer you can rely on.
…get the best possible price
We’ll compare suitable policies and providers to help you get the cover you need at the best possible price.
The golden rule:
Some cover is better than none.
If you can’t afford the ideal amount cover, protect what you can.
The golden rule:
Don’t judge on price alone.
Look beyond the premium at the quality of the cover you’re getting.
The golden rule:
Don't leave it too late.
The younger you are when you take out cover, the lower your premium is likely to be.
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