Life Cover

What is Life Assurance?

There are two types of Life Assurance plans, namely Level Term Assurance and Decreasing Term Assurance.

Level Term Assurance are the policies where the amount you are covered for, remains the same for the duration of your plan.

Decreasing Term Assurance are the policies where the amount you are covered for, reduces month on month and is directly related to the remaining term of the plan.

Each plan can then have additional extras which our experienced advisors at JF Financial Associates can talk you through, but they include benefits to you like Mortgage Repayment Guarantee, Guaranteed Premiums, Total and Permanent Disability or Waiver of Premium.

Why have Life Assurance?

Nobody likes to think about it; however everybody will experience it at some stage… Death… Nothing will make this tragedy better; however having Life Assurance in place can assist those that are left behind.

Plans are designed to pay off outstanding Mortgage balances, outstanding Debts or to put towards Funeral Costs. They are there to help your loved ones maintain their lifestyle and/or look after your children, whilst dealing with the enormous loss and future they will have to face without their Partner, Mother, Father, Friend…

When put like that, a better question may be, why wouldn’t you have Life Assurance?

Would you really want to leave loved ones not only in an emotional state, but in a potential financial crisis too?

Why use a Broker for Life Assurance Needs?

Far too often, people are purchasing plans without getting professional advice and are left with Life Assurance polices that don’t meet their needs, provide insufficient cover or are incorrect plans types.

Specialising in Insurance, JF Financial Associates will talk openly and honestly about the level of Life cover you require, advise you on Level Term or Decreasing Term Assurance and the length of plan to suit your needs. This will ensure that should the worst happen, your family are protected and can grieve without the additional financial burden, even after your death.

Even more importantly, we will advise you if a policy should be written in trust or not!.

This could be the single most important bit of advice you will every receive in relation to a life insurance plan, and the consequences of getting this wrong can have a major impact on your family and their future wellbeing. Did you know that comparison sites can not advise you on this?

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at

The FCA does not regulate on trusts.

Having access to some of the the UK’s top insurance providers, we can advise you on comprehensive products at prices that won’t break the bank. Don’t delay, give an experienced JF Financial Associates Insurance Broker a call today on 0345 508 8588

JF Financial Associates will never sell you something you don’t want! We offer life cover advice on what you need!

Or alternatively fill in the form below to send an enquiry now

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"Very helpful throughout the remortgage process and very good at explaining everything in simplified terms we could relate to and not just financial jargon."


Thank you very much for all your hard work obtaining our first mortgage, which was so difficult to get providing our limited finances! Your assistance has been invaluable, and we would have never achieved this without you! We would have no hesitation in using your services again or, indeed, in recommending you to anyone who requires services of a mortgage & insurance specialist.


This was from a client we have been working with for over 7 years now: "Many thanks for all your hard work and effort to obtain our mortgage offer! I can't tell you how it feels for us to have gone from having nearly 100k of debt and a 'hopeless case' to getting a high street mortgage (in less than 7 years!)


Justin was recommend by my bother who had his mortgage arranged with him a couple of years before. The set up process was very easy, Justin got me on the phone, found out my needs and financial details and then came back a couple of days later with three options for me to pick from. After than things went smoothly, Justin and his team were VERY helpful, they even helped fix a couple of problems caused by my solicitors. On the day of completion Justin was on the phone making sure everything was fine as were his team. I felt very well looked after and even decided to arrange extra life cover with Justin.


We have been a client of JF Financial for almost 9 years. Justin goes above and beyond to ensure everything runs smoothly. The service this company provides is 5 star. Would 100% recommend JF Financial.


Knowing Justin is a blessing, I had couple of re mortgage with JFinancial. Very friendly & stress free service, Justin always look after all small details before the application. Hassel free , as long you have all uptodate documents. Great service. Just talking to him is a great pleasure.


I would like to thank Justin from J F Financial for his extremely professional service. After my recent stage one interview which was to understand all aspects of my financial position he was able to tell me more about my finances than I knew myself. Justin gave me clear, decisive advice which enabled me to put things in place to secure future financial stability. I initially went to Justin to see if he was able to help secure an acceptable rate on the re-mortgage of my property as it had come to the end of its term and slipped into variable rate. This was something that I did not think was possible in today’s current financial market. Justin not only matched my existing interest rate but secured this rate for the next 5 years. From Stage one to completion of the mortgage I found this to be a very smoothly run and professional service and would not hesitate with recommending Justin from J F Financial to any of my family or contacts in the future.


Just thought would drop you a quick line to say thank you for all your help with helping us along the process of buying our flat. We are all settled in now and loving it!! I will highly recommend you to all my friends, as it was a pleasure dealing with you and you made the whole process a lot less stressful. Once again many thanks for all your help and your useful knowledge.


Thank you very much for your help, it’s a pleasure dealing with you and will definitely recommend you to my family and friends. Easy remortgage with no hassle!!! Thanks again.


This was a big help in meeting all my needs, very helpful and professional


5 star service. Could not recommend JF Financial highly enough. Justin assisted us throughout the whole house buying/selling process. He made one of the most stressful processes in life easy and hassle free. Was always available for any advice, even out of office hours! Would never look elsewhere for any financial advice in the future.


We have just completed on our 2nd mortgage arranged by Justin. We wouldn’t consider going to anyone else as JF Financial Associates are friendly, professional and determined to find the best mortgage for our ever evolving needs. Justin is able to explain the whole process in an understandable way, making sure you are fully aware the next stage of the process. I have no hesitation in recommending their services. Mr & Mrs Wallis. West Sussex.