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How Long Do I Need Life Insurance Cover for?

Choosing how long the cover should last will depend on what you need the cover for.

  • If you wish to ensure your mortgage is paid off in the event of you passing away, the cover should match the term of your mortgage. This applies to both interest-only and repayment mortgages. So if you have 21 years left to repay your mortgage, the term of your cover should be 21 years. The same applies to any other debts you may wish to protect.
  • If you are protecting your family, you should think about how long they will be financially dependant on you.
  • In terms of protecting just your partner, you may wish to take cover out until the age you plan to retire.
  • If you have children, the age of your youngest child will often determine how long the policy should last. For example you may plan for your children to go to university and want to ensure they are financially protected until they are working themselves. For example, if your youngest child is aged 4 say, you may therefore wish to cover yourself for the next 19 years to take them through university and a little beyond.

Just give us a call on 0800 316 3166 and we can advise you on what you need to provide the best cover for your needs.

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0800 316 3166

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