Life Insurance

I understand the importance of making the right decision when it comes to life insurance. Allow me to guide you through this essential process, helping you gain a clear understanding of your needs and priorities. Together, we’ll ensure you make informed choices about life insurance that provide financial security and peace of mind for you and your loved ones. Let’s start this journey today and protect what matters most.


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What is life insurance?

This is a policy that provides a financial payout to your loved ones if you pass away during the policy term. It’s designed to offer financial security and cover expenses like mortgage repayments, daily living costs, or education fees. I’ll help you find the right policy to suit your needs and budget.

Do I need life insurance?

If you have dependents, a mortgage, or financial commitments, life insurance is essential to ensure your loved ones are financially secure. Even if you’re single, it can cover funeral costs or provide for your family. I’ll assess your situation to recommend the most suitable policy.

How does life insurance work?

You pay regular premiums to your insurer, and in return, they provide a lump sum payout to your chosen beneficiaries if you die during the policy term. The payout can be used for any purpose, from covering debts to supporting family expenses. I’ll guide you through the process to ensure you fully understand how it works.

What types of life insurance are available?

The main types of life insurance include term life insurance, which covers you for a specific period like 20 years, whole-of-life insurance, which provides lifelong cover and guarantees a payout, and family income benefit, which pays a regular income to your loved ones instead of a lump sum. I’ll help you choose the most suitable type of cover based on your needs and financial goals.

How much life insurance do I need?

The amount of cover you need depends on factors like your outstanding debts (e.g., mortgage), family expenses, and future financial goals. I’ll help calculate the right level of cover to ensure your family’s financial security.

Can I get life insurance if I have pre-existing health conditions?

Yes, many insurers offer cover to individuals with pre-existing health conditions, though premiums may be higher. I’ll work with insurers who specialise in providing policies for people with medical conditions, ensuring you get the right possible terms.

Does life insurance cover critical illness?

Not always. Standard life insurance only pays out on death, while critical illness cover provides a payout if you’re diagnosed with a serious condition like cancer, heart attack, or stroke. You can add critical illness cover to your policy for extra protection.

Can life insurance cover my mortgage?

Yes, many people use this type of policy to ensure their mortgage is paid off if they die. Decreasing term policies are often used for this purpose, as the payout reduces over time in line with your mortgage balance. I’ll help you find a policy that works for your mortgage needs.

What happens if I miss a life insurance payment?

Missing a payment can lead to your policy being cancelled, so it’s essential to keep up with premiums. Some insurers offer grace periods, allowing you to catch up on missed payments. I’ll help you understand your policy terms and avoid any lapses.

Are life insurance payouts tax-free?

In most cases, payouts are tax-free. However, placing your policy in a trust can help avoid inheritance tax. I’ll explain how this works and guide you through setting up a trust if needed. For tax advice, please consult a qualified tax professional.

Can I change my life insurance policy if my circumstances change?

Yes, many policies allow you to make changes, such as increasing the cover amount or extending the term, if your circumstances change. I’ll help you review your policy regularly to ensure it meets your needs.

Why should I use an adviser for life insurance?

As an independent adviser, I compare policies from multiple insurers to find the most suitable deal for your needs. I receive very competitive rates and products that are not available online. I’ll tailor my advice, handle the paperwork, and ensure you understand your policy, saving you time and effort.

Will you help me throughout the process?

Absolutely, I’ll guide you through every step, from selecting the right cover to finalising the policy. Even after your policy is in place, I’m available for reviews and future advice to ensure your cover evolves with your needs.

Can you help me with other types of protection insurance?

Yes, alongside life insurance, I can advise on income protection, critical illness cover, and family income benefit. These policies provide extra financial security for you and your loved ones.

Get in touch with Noleen

Get in touch today to discuss your life insurance needs. Whether you’re protecting your family, securing your mortgage, or planning for the future, I’m here to guide you with the right cover for your peace of mind.


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Noleen Curran – The Right Broker.

Proudly supporting families across Northern Ireland and the UK with expert advice on life insurance, critical illness cover, and income protection — helping you safeguard your loved ones and your future.

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