How it works

How it works

Don’t leave your family’s future in the hands of a quick internet search…

At Legacy Life Cover, we believe that buying life insurance should be a personal process because every family is unique.

Searching for life insurance can be stressful and confusing. With so much choice apparently on offer and so much jargon to wade through, many people end up putting off this important decision.

Our mission is to change this and give people peace of mind.

We are here to help guide you through the whole process of choosing life insurance.

Our team has years of experience working in Financial Services. We will search the UK’s leading providers to find the best policy which suits your personal circumstances.

Whether you have recently moved house, had children, got married or have an existing health condition – we can find the policy that suits your needs.

Get in touch with us by calling 0121 294 4687 or fill in the form on our contact page.

Saving you time, stress and money.

  • Free and friendly access to financial advice
  • No salespeople allowed – we’re here to help, not to sell
  • We can find options and solutions to suit all budgets
  • No more overpaying for complicated policies
  • In the event of your death, your policy will pay out immediately with no waiting period
  • We will add up to £10,000 of extra cover – for free – for you to leave as a legacy gift to your favourite charity (or charities)

How does the process work?

When you’ve decided you need life insurance, your journey starts with one quick and friendly phone call. One of the Independent Financial Advisors from Advice Wise will talk you through the different options of life insurance, but most importantly, they’ll get to know you.

By getting to know your circumstances, they can build a portfolio of your needs and help you choose a cover that is going to keep your dreams alive, providing a future for the ones you love most. They can help you to decide whether you’ll need a yearly family income or a lump sum to pay off the mortgage. The advisor will explain the options as you go, putting you in the driving seat and not at the receiving end of a sales pitch!

They will scour the market to find you the best priced policies from over 50 of the UK’s leading insurance companies including Aviva, Standard Life, LV=, AIG, Royal London, Scottish Widows, L&G, Canada Life, Zurich and more.

Frequently asked questions

What if I’m diabetic or I have another underlying health condition?

Diabetics and others with pre-existing illnesses are often worried that they won’t be able to access affordable Life Cover. Working with Legacy Life Cover ensures that we’ll do everything we can to find you the best policy and of course, the best price.


Yes, we can most definitely help. We have access to the UK’s leading insurance companies and can find a very competitive premium for you.


We treat all our service users exactly the same, so we will try and find you the best possible cover, we search 50 leading UK insurer to get you the best possible price.
And most of the time we can get you more cover than the companies advertising on TV. Give us a call to see how much more cover you can get.

In fact we are so confident, if you have an over 50’s quote from Royal London, Sun Life please let us know and we will see how much more Cover we can get you.

At Legacy Life Cover, all it takes is a quick phone conversation to get us started.

Send us a message

or give us a call on 0121 294 4687