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Life Insurance

Independent Life Insurance Advice


None of us want to think about the prospect of dying or what we may leave behind for our loved ones when we are no longer around. However, if you wish to support your family after your passing, securing a life insurance policy is a way of achieving this.

Life insurance offers the assurance of a lump-sum pay-out in the event of your passing, and in certain situations, if you receive a terminal illness diagnosis. Having financial protection can ease the burden on your loved ones during challenging times. If your income plays a crucial role in maintaining your family's quality of life, life insurance can offer a sense of security. You have the flexibility to tailor the coverage amount to your specific requirements, such as ensuring there's adequate coverage to settle your mortgage, or provide an income to help support your family.




There are two main types of life insurance policies: term assurance and whole-of-life cover.


Term assurance provides a lump-sum pay-out if you pass away within a predetermined period, ensuring your loved ones have the financial resources to avoid financial difficulty, or settle any outstanding debts. You can align the policy's term with specific commitments, like your mortgage term, or your children reaching a specific age whereby they will become financially independent.


Whole-of-life insurance, on the other hand, guarantees a pay-out regardless of when you pass away (it doesn’t have a set term). It can serve as a tax-efficient method for passing on your assets since beneficiaries typically do not face capital gains tax or income tax on the received lump-sum payment. However, it's crucial to be aware of potential Inheritance Tax (IHT) implications if the pay-out increases your estate's value above £325,000, triggering a 40% IHT liability.


This highlights the importance of seeking advice from an Independent Financial Adviser such as Intelligent Financial Advisory.


Our team will help you determine the most suitable strategy; for instance, placing your life insurance into a Trust to mitigate IHT. Every situation is unique, and we'll provide tailored guidance based on your individual needs, circumstances, and the beneficiaries you intend to benefit from any pay-outs.

Looking for life insurance advice
in Leamington Spa & Warwickshire?

Jack Bewick offers tailored and specialist financial protection advice across Warwick, Leamington Spa, Kenilworth, Stratford upon Avon, Coventry & Warwickshire, Lutterworth & Leicestershire areas.

Offering expert independent mortgage advice on:

First Time Buyer Mortgages

Home Mover Mortgages


Buy To Let Mortgages

Limited Company Mortgages

Affordable Housing Mortgages (Shared Ownership)

Self Employed Mortgages

Some of our trusted insurance & protection providers...

Aviva Insurance
Vitality Insurance
LV Insurance
Legal & General Insurance
Zurich Insurance
Scottish Widows Insurance
AIG Insurance
Royal London Insurance

Why work with Jack Bewick?


A leading 'whole of market' mortgage adviser in Warwickshire, with access to the most competitive products on the market.​

Honest, professional and independent financial advice tailored to suit your personal circumstances.​

Friendly advice to help you navigate financial challenges.



Expert Tailored Advice



Mortgage & Protection Services



Whole of Market Advice



Professional & Friendly Service



The Most Competitive Mortgage Deals




"Jack was highly recommended to us when we started our house buying journey, and it was the easiest decision we made throughout the whole process. He was extremely helpful, knowledgeable and had a genuine desire to help us with all of our queries and was dedicated to getting us the best deal on the market at the time.


We couldn’t ask for a better Mortgage Adviser. Thank you Jack for everything you have done so far. We really appreciate your hard work and would absolutely recommend you to anyone looking to buy a house."


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