We learn about your personal situation, family, finances, and any existing cover.
Life Insurance Advice: Protecting the People Who Matter Most
We offer clear, independent advice to help you protect your loved ones with life cover that fits your family, your finances, and your future.
Our Solution
Life Insurance Feels Overwhelming, We Can Change That
Choosing life cover can feel confusing. From working out how much cover you might need to deciding how long it should last, there’s a lot to consider – especially if you already have protection in place.
At AS Financial, we approach protection differently.
We’re not here to simply sell you a policy. We take the time to understand your family, finances, mortgage, existing protection and future priorities, helping you make a calm, informed decision about the cover that’s right for you.
The right life insurance cover for your family.
What You Need to Know
The Essentials Of Life Cover
Life insurance is personal, and our advice reflects that.
A policy is designed to provide a lump sum if you die during the policy term, helping give the people you leave behind greater financial security.
How much cover you need – and how long you need it for – will depend on your circumstances, including your mortgage, income, debts, dependants and any protection you already have.
Our advisers will help you understand what you may need and find suitable cover that reflects your circumstances, priorities and budget.
Pay off or reduce a mortgage
Cover everyday household living costs
Support childcare or education costs
Settle outstanding debts or final expenses
Our Process
How We Help You Put the Right Cover in Place
01/
Discovery Call
02/
Needs-Based Review
We look at your mortgage, income, financial commitments, dependants and any protection you already have to understand what you may need to protect. From there, we’ll help establish an appropriate level of cover that fits your budget.
03/
Product Matching
We search the whole market to recommend life insurance options that suit your needs and budget.
04/
Application Support
We help complete the paperwork, guide you through underwriting, and explain any medical or financial checks.
05/
Ongoing Support
Your cover is in place, but our advice doesn’t stop. We’re here if your circumstances change and you want to review or adjust your protection.
We assumed life insurance just meant paying off the mortgage if something happened. AS Financial explained how we could also make sure our daughter’s education would be covered, and our household income could be replaced if needed. It was reassuring to talk through it all without any pressure.
Melissa & Jamie, Surrey
Need Help
Life Insurance FAQs
Do I need life insurance if I’m single or don’t have kids?
Life insurance is often associated with parents, but having children isn’t the only reason someone might consider cover.
You may have a partner who relies on your income, a joint mortgage, debts or other financial commitments that could affect someone else if you died.
Whether you need Life Insurance depends on your individual circumstances and who, if anyone, could be financially affected by your death.
How much cover do I need?
There’s no single figure that’s right for everyone.
The amount you need can depend on your outstanding mortgage and debts, household income, dependants, regular living costs, existing protection and how long you would want financial support to continue.
Our advisers can help you work through these areas and establish a level of cover based on your individual circumstances.
Is life insurance expensive?
The cost of Life Insurance varies depending on your individual circumstances, as well as factors relating to the cover you choose.
Rather than focusing solely on the cheapest policy, we’ll help you find suitable protection that meets your needs while staying within your budget.
What if I already have a policy?
It’s still worth reviewing your Life Insurance as your circumstances change. A new home, larger mortgage, marriage, children or a significant change in income could mean your existing cover no longer reflects your needs.
We can review the protection you already have and help you understand whether you should consider any changes.