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Cover, weighed up properly — before you sign anything.
How an Advisor Saves You Money and Stress
1. Maximise your cover:Guaranteed-acceptance plans skip health questions, but that convenience can be expensive. Answering basic health questions can unlock significantly cheaper premiums and higher payout amounts
2. Save hours of searching:Our specialist partners compare the UK’s leading protection providers for you in a single conversation.
3. Less stress:One phone call replaces dozens of browser tabs and confusing online comparison tools.
4. Expertly tailored protection: A qualified advisor matches the policy directly to your personal circumstances, removing the guesswork.
5. Guaranteed fixed premiums:If preferred, and where your health supports it, we can look to secure policies with fixed monthly premiums that will never increase over the policy term.
6. Immediate standard coverage: For underwritten policies, full cover for natural and accidental death typically begins the moment your application is formally accepted by the insurer.
Getting you more cover
Family protection
7. Maximise your budget:Answering health questions can secure significantly more coverage than a guaranteed-acceptance plan offers for the exact same monthly premium.
8. Enhanced family security:Securing a higher coverage amount means stronger, more robust financial protection for the dependents who rely on your income.
9. Introduction to personalised advice: We connect you with a qualified professional who builds a recommendation around your unique personal circumstances, avoiding a one-size-fits-all approach.
10. Exploring all available options: Rather than defaulting straight to a standard Over 50s plan, your advisor will benchmark underwritten policies first to ensure you get the best possible value.
11. Tailored payout structures: You can choose a regular monthly income instead of a single lump sum. A Family Income Benefit policy pays out regularly like a replacement wage to support the people who depend on you.
What makes us stand out
12. A gift to charity, from us. Up to £10,000 (1% of your policy value) is added to your new policy — this extra amount is donated to a charity of your choice when the policy pays out.
Funded by Legacy Life Cover out of the income we receive for arranging your policy . It’s our way of giving back. — Jit Pundal, Founder
Read what FT Advisor says about "Using protection to support charity"
An article by Tom Dunstan, FT Adviser
13. An uplift – [ Real money upto £10,000] , not a voucher. Many insurers offer a gift voucher worth around £135–£150 for taking out cover. We do it differently: up to £10,000 (1% of your cover) added on top of your policy amount.
14. Real money for your family at the most distressing moment, to help with the legal fees, solicitor’s fees, and probate costs that often follow a death alongside the mortgage. When it matters most, that’s worth far more than a voucher now.
Our Services & Partnerships
15. Zero-obligation consultation: The initial exploratory conversation costs nothing and commits you to absolutely nothing.
16. Dedicated support: We aim to connect you with a UK-based adviser who will guide you smoothly through the application process from start to finish.
17. Fully qualified advice: You will speak directly with an FCA-authorised adviser holding recognized, industry-standard financial qualifications.
18. Regulatory information: Introductions are made exclusively to Advice Wise Ltd, an independent firm authorised and regulated by the Financial Conduct Authority under FCA Reference No. 839690.
Mortgage & Family Protection
19. Protect your home: Mortgage protection insurance helps repay debt or helps towards maintaining monthly repayments if something happens to you, keeping a roof over your family’s head.
Important Notice
Your home may be repossessed if you do not keep up repayments on your mortgage.
Personal Illness Cover & Business Protection
20. Critical Illness support: Secure a tax-free lump sum payout if you are diagnosed with a specified serious illness, protecting your lifestyle separately from standard life cover.
21. Terminal Illness benefit: Many mainstream policies allow your life insurance payout to be brought forward early if you are diagnosed with a terminal condition, providing financial help when it is needed most.
22. Commercial protection: Protect your business infrastructure—not just your family. Key Person and Shareholder protection cover the immediate financial gaps an owner or business partner leaves behind.
Planning Ahead
23. A will means your wishes are followed — not the government’s.
24. Reduce what Inheritance Tax takes. The right planning keeps more with the people and causes you actually want it to go to.
25. Actual Intelligence — a real, regulated adviser (not a call handler or a salesperson) makes sure the advice is right for you.
Ready to get started?
Fill in the form below to request a callback. Legacy Life Cover acts strictly as an introducer. We will pass your contact details directly to Advice Wise Ltd (FCA No. 839690), a firm of independent, whole-of-market financial advisers authorised and regulated by the Financial Conduct Authority. Your initial consultation is entirely confidential, with no pressure and no obligation.