Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
Call 03301 334 199 or Whatsapp us 07950545264 hello@abc-mortgages.co.uk
Life insurance provides financial protection for the people who matter most to you, helping to ensure your loved ones are financially supported if you were to pass away during the policy term. Whether you have recently purchased your first home, started a family, or simply want peace of mind that those closest to you will be looked after, the right life insurance policy can provide valuable long-term security.
Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of a claim, declining to pay all the claim and possibly, declaring the policy invalid.
Last Updated: 9th July 2026
At ABC Mortgages, we provide expert advice on life insurance in Kent, helping individuals, couples, and families choose protection that reflects their circumstances and future plans.
Every family is different, which is why we take the time to understand your needs before recommending a policy that offers the right level of cover.
Life insurance is designed to pay a lump sum to your chosen beneficiaries if you pass away during the policy term. This payment can help your family continue meeting important financial commitments, including mortgage repayments, household bills, everyday living costs, or future expenses such as children’s education.
While no one likes to think about the unexpected, arranging life insurance is one of the most practical ways to protect the people who depend on you financially. Rather than leaving loved ones to cope with financial uncertainty at an already difficult time, life insurance can provide reassurance that they will have support when they need it most.
Many homeowners choose life insurance alongside their mortgage to help ensure the outstanding balance could be repaid if the worst were to happen. Others simply want to provide financial security for their family, regardless of whether they have a mortgage.
There is no single life insurance policy that suits everyone. The most appropriate cover depends on your personal circumstances, financial commitments, and the level of protection you want to provide.
Some people choose level term life insurance, where the amount of cover remains the same throughout the policy, making it suitable for providing financial security for family members. Others choose decreasing term life insurance, where the amount of cover gradually reduces over time, often making it a popular option for homeowners who want their cover to reduce alongside their mortgage balance.
You may also decide between a single policy, which covers one individual, or a joint policy designed to protect two people. The length of your policy is equally important and should reflect your financial responsibilities, such as the remaining term of your mortgage or the years your family may rely on your income.
Choosing the right policy involves much more than comparing monthly premiums. It is about ensuring your cover continues to meet your family’s needs both now and in the future.
The amount of life insurance you require depends on your personal circumstances and financial commitments. Some people simply want enough cover to repay their mortgage, while others choose a larger level of protection to replace lost income, support their family, or provide financial stability for many years.
When assessing the appropriate level of cover, it is important to consider your outstanding mortgage balance, existing debts, household expenditure, future education costs, and any other financial responsibilities your loved ones may face.
At ABC Mortgages, we help you carefully assess these factors so you can arrange a policy that provides meaningful financial protection without paying for cover you do not need.
Although life cover is not usually a requirement when taking out a mortgage, many homeowners choose to arrange cover as part of their overall financial planning. Your home is often your largest financial commitment, and life insurance can help ensure that your family is not left struggling to meet mortgage repayments if you were no longer there to provide an income.
For many people, arranging life cover alongside a mortgage offers valuable peace of mind. It provides confidence that loved ones may be able to remain in the family home without the additional burden of outstanding mortgage debt.
If you are purchasing your first home, moving property, or reviewing your existing mortgage arrangements, it is often the ideal opportunity to review your protection needs at the same time.
Many people assume that having a medical condition means they cannot obtain life cover, but this is not necessarily true. Every insurer assesses applications individually, taking into account factors such as your age, medical history, lifestyle, and the condition itself.
Being open and honest during the application process is essential, as this helps insurers assess your circumstances accurately and recommend appropriate cover. In many cases, life insurance remains available even if you have experienced previous or ongoing health conditions, although premiums and policy terms may vary.
Seeking professional advice can help identify insurers whose underwriting criteria are most suitable for your circumstances.
At ABC Mortgages, we provide expert advice on life cover in Kent, helping clients across Sittingbourne, Sheerness, Maidstone, Canterbury, Medway, Ashford, and the surrounding areas protect what matters most. Whether you are arranging life cover for the first time or reviewing an existing policy, we are here to help you make informed decisions with confidence.
Our advisers take the time to understand your circumstances and explain your options clearly, ensuring you choose protection that reflects your family’s needs both today and in the future.
At ABC Mortgages, we believe life cover should never be a one-size-fits-all recommendation. Every client has different priorities, financial commitments, and long-term goals, which is why we provide personalised advice tailored to your individual circumstances.
We work with a wide range of insurers to help you compare suitable policies and understand the differences between them. Our advisers explain everything in clear, straightforward language, providing support from your initial enquiry through to arranging your cover.
Whether you’re protecting a new mortgage, providing for your family, or simply planning ahead, we’re here to help you find life cover that offers genuine peace of mind.
Protecting your family starts with having the right advice. At ABC Mortgages, we help clients across Kent arrange life cover that provides financial security and peace of mind for the future.
Whether you’re buying your first home, reviewing your mortgage, or simply looking to protect your loved ones, we’re here to help you find the right level of cover.
Contact ABC Mortgages today to discuss your life cover options with one of our experienced advisers.
Life insurance pays a lump sum to your chosen beneficiaries if you pass away during the policy term, helping to provide financial support for your loved ones.
Life cover pays out if you pass away during the policy term, whereas critical illness cover provides a payment if you are diagnosed with a specified serious illness covered by the policy.
The right amount depends on your mortgage, financial commitments, income, and the level of protection you want to provide for your family.
Yes. Many insurers offer life coverto people with existing medical conditions, although premiums and terms may differ depending on your circumstances.
Life cover is not usually compulsory, but many homeowners choose it to help ensure their mortgage could be repaid if they were to pass away.
No. While many people use life cover to help repay their mortgage, the payout can also be used to cover household bills, everyday living expenses, childcare, education costs, or provide general financial support for your loved ones.
Important Information
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £395.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.