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If you’ve ever lost someone close to you, you know how it feels. But when a family loses the breadwinner and everything they used to pay for, this can be even more painful on top of an already awful situation.

Life insurance is a way to make sure your family is financially protected should you pass away during the policy term, meaning that they can focus on the important things instead of worrying whether they can afford the mortgage, rent or bills.

You can also use life insurance as a way to leave money to loved ones – perhaps you want your kids to go to university or leave them an inheritance – life insurance can do that.

Unlike car and home insurance, life insurance can sometimes get a little complicated when factoring in your health and lifestyle – that’s why it’s always better to speak to a real person than take your chances with a form online.

When you also consider that we’re dealing in massive sums of money, you want to make sure that everything is 100% correct and that, ultimately, your family are protected properly. That’s why all of our calls are recorded for training and monitoring purposes and to also help if a dispute arises in the future.

We also believe that speaking with a genuine person ensures that we fully understand your needs and requirements and what you want your policy to do for you and your family. This makes sure you have the right cover in place so you have peace of mind knowing everything is done and dusted.

Protect Line was founded in 2010 and has since grown into one of the UK’s largest and leading life insurance brokerages, employing 250+ staff nationwide. Winning multiple consumer awards each year and receiving thousands of five star ratings on Trustpilot, Google and Smart Money People, Protect Line is a highly trusted company.

We are fully authorised and regulated by the Financial Conduct Authority, entered on the Financial Services Register (www.fca.org.uk/register) under reference 942467. We are also registered with the Information Commissioner’s Office (ICO) to meet data protection standards and adhere to the Advertising Standards Authority (ASA) rules to ensure our advertising is always clear, fair and not misleading.

In 2019, over £5.7 billion was paid out on British protection policies with 98.3% of claims paid. That’s the equivalent of £15.8 million paid every day. (ABI.org.uk, May 2020).

It’s statistically very unlikely life insurance policies won’t pay out, especially if the policy was taken out with an FCA registered broker such as Protect Line. The main reason a policy wouldn’t pay out is if the policyholder has not been 100% open and honest during the application.

Protect Line is a fee-free broker, which means we do not charge any upfront or separate charges for our brokerage service. At no point will you be billed for any service received or administration regarding setting up or managing your policy.

Our service is free for you because we are paid introducer fees by the insurance provider you choose.

As an independent broker we are not biased towards any one insurance provider. As a non-advised broker we are not allowed to recommend a particular insurer or product, only providing the facts. This means that any decision you make is purely yours and never influenced by how much money we may receive.

Protect Line receives an upfront commission for selling you a life insurance policy, but we are required to pay this back if you cancel your policy during a set timeframe. For this reason we are incentivised to ensure you are happy with your policy; it is not in our financial interest to pressure you into a product that you are not comfortable with.

Your life insurance could cost the same each month as a couple of take-away coffees. Usually a policy will have guaranteed fixed premiums throughout the policy term – our friendly team will fill you in on all the details during your chat.

It’s free to use our service to get your life insurance – if you decide to take out a policy with one of our providers, we’ll be paid a commission – there is no fee to you.

If you’ve already got cover or seen quotes elsewhere, let us know! We will always try to find you a competitive quote at a price to suit your needs.