Life Insurance Advisers

Peace of mind for you and your loved ones.

Blossomfield provides life insurance services for people of all ages and health circumstances. Our team will ensure you understand all the details of potential policies, so you make the right choice and achieve ultimate peace of mind.

Call one of our life insurance advisers in Birmingham today on: 0345 066 6555 or drop in to see us at our Birmingham office on Coleshill Road.

Life insurance is a type of insurance policy that provides a designated beneficiary or beneficiaries with a lump sum payment or line of credit upon death of the insured party. Some life insurance policies will also be triggered if the insured party suffers from a critical or terminal illness, dependant on the terms and conditions of the policy. It’s one way of financially taking care of loved ones when you are no longer around.

Taking out life insurance cover can be a good idea at any age, but most people decide to do so once they have children or if their household relies on their employment income to pay for life’s everyday expenses. Life insurance cover is typically available to anyone up to 90 years old.

Life insurance cover is calculated based on your age, current health and even your job. Insurers will usually require personal information to provide a bespoke quote. The amount of money your policy pays out will differ based on the type of policy you choose and its terms, but many insurers will pay between x6 and x10 your annual income upon death.

For further information about life insurance policies in the UK and to get help sourcing the most appropriate cover for your needs, speak with the Blossomfield insurance team, today!

What does life insurance not cover?

Some causes of death are excluded from life insurance depending on the type of policy you have. Death caused by engaging in dangerous and illegal activities is likely to be excluded from the insurance policy. Suicide is often not included in life insurance cover within so many years of the policy being taken out, but it may be covered after this period has passed. If you have an existing condition and do not disclose it upon application and it leads to death, the policy may not pay out.

What type of life insurance do you need?

Life insurance is a very personal affair and there is no way of providing a blanket answer to all readers. The best way of understanding the benefits of different types of life insurance cover and their benefits is to chat with an expert. You can do just that by getting in touch with an insurance professional at Blossomfield.

Joint or separate life insurance policy?

A joint life insurance policy is a single policy taken out for two people, usually a married or de facto couple. However, most of these policies end on the first death leaving the surviving individual without existing cover. If you are a couple and are unsure whether to choose two single policies or a joint plan, it’s best to learn the pros and cons of each by speaking to one of our team.

Blossomfield has a track record of assisting people from all walks of life to secure applicable life insurance policies for their specific needs. With an experienced, empathetic, and caring team to hand, you’ll feel comfortable and informed by working with our knowledgeable insurance team.

Don’t risk the financial future of your family and call Blossomfield now. Our experienced life insurance advisers are based in Birmingham, cover the whole of the UK, and will support you through the entire process. Call us today on: 0345 066 6555 or drop in to see us at our Birmingham office.