Life Insurance

With Life Insurance Cover, you can protect your family and loved ones. Life Insurance can provide the financial means to ensure your family’s lifestyle will continue even if you are not there, by providing a lump sum payment at that time.

At Spectrum FA, we have been helping people to secure their family’s future for many years by protecting what matters to them most. With our access to the leading insurance providers, we will recommend suitable policies and the correct level of cover based on your individual needs and circumstances.

To find out how Spectrum FA’s expert advisors can secure your family’s future, please get in touch with us today to arrange a free, no obligation review. You can contact us by email at, by phone on 01279 315 013, or by using the contact form on the website for one of the team to get back to you as soon as possible.

A happy family outside. Protect your family with life insurance from Spectrum Financial Advice

Reliable Cover

Spectrum FA will recommend a policy tailored to your individual circumstances, so you can rest assured knowing your family are protected.

Competitive Premiums

Spectrum FA have access to the leading life insurance providers and can source competitive premiums at the level of cover you require.


Personal Touch

Spectrum FA will discuss your requirements and advise on suitable policies to provide a truly bespoke service that matches your needs.

Frequently Asked Questions

How does Life Insurance Cover work?

Life Insurance Cover – also known as Term Assurance, Level Term Assurance or Family Protection – is a policy taken out by an individual, which will pay out in the event of their death. Many Life Insurance policies also include terminal illness cover, at no extra cost. Other benefits can also be added, such as critical illness cover, at an additional premium. This gives you the flexibility to have tailored cover to suit the needs of you and your family.

Policyholders can choose to insure just themselves or their spouse or partner, on a joint policy, providing peace of mind for the whole family. We will also discuss with you, how many years you wish to be covered for.

We will advise on and arrange for any policy we recommend to be placed in a suitable trust (if required), naming your chosen beneficiaries.

To find out more about how Life Insurance Cover works, please speak to our experienced financial advisors today.

Which Life Insurance policy is best for me?

Life Insurance is a simple product, however, there are many options to choose from and many policy add-ons to ensure the policy is suitable for your specific needs. It is vital that you seek advice before taking out a life insurance policy to ensure the correct cover is there, if and when you need it.

Having helped many families secure Life Insurance Cover, Spectrum FA are experts in the field of Personal Protection Insurance and Life Insurance. With the help of Spectrum FA, you will be able to ensure your family’s financial future is secure.

Who needs Life Insurance Cover?

Life Insurance will pay out to the specified person named on the policy or trust document, should the person insured die. The key purpose of Life Insurance Cover is to protect your family from the financial instability that could result from the death of you or your spouse. Couples, whether or not they have children, are often advised to take out a Life Insurance Policy, as well as single parents and other individuals who has someone that is financially dependent upon them.

Why use Spectrum FA to arrange Life Insurance Cover?

Having advised many clients on the most suitable Life Insurance Cover for them and their families, our experienced advisors are experts in this field. With the help of Spectrum FA, you will be able to put in place a Life Insurance Policy that is specific to your circumstances, giving peace of mind for you and your family. To speak to an expert about your protection needs, please get in touch with us today. You can contact us by phone on 01279 315 013, by email at, or by completing the contact form on the website.

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