MOVA / Life insurance
Help protect the people who rely on you. We’ll look at your mortgage, family commitments and existing benefits to work out what life cover needs to do.
Personal advice · No pressure to proceed
Term life cover pays only if a valid claim arises during the insured term. It normally has no cash value if you outlive the term.
Understand the options
The shape of the payout matters as much as the amount. These are three options we can help you compare.
An insured amount that stays the same during the agreed term. A valid death claim can provide a lump sum for the people you want to support.
Useful to discussFamily commitments, debts or an interest-only mortgage. Inflation can reduce the buying power of a fixed amount.
An insured amount that reduces over time. It is often considered alongside a repayment mortgage.
What to checkThe cover must be assessed against the mortgage balance, term and repayment assumptions. It may not clear every outstanding balance.
Regular payments following a valid claim, normally for the remainder of the policy term. This can help with ongoing household costs.
Useful to discussThe monthly support your family would need and how long they would need it. A later claim leaves fewer payments before the term ends.
These are term-cover options, not a personal recommendation. We can also discuss whether increasing cover or a different policy structure should be considered.
Make it personal
A mortgage is one part of the picture. Everyday costs, childcare and the support already available to your family all belong in the conversation.
Consider debts, household costs and how long anyone may depend on your income or unpaid care.
Joint and separate policies work differently. A joint first-death policy usually pays once; separate policies may leave cover in place for the other person.
Discuss beneficiaries and whether a trust is appropriate. Legal and tax implications depend on your circumstances; MOVA does not provide legal or tax advice.
What MOVA does for you
We look at your commitments, existing policies, workplace benefits and a budget you can maintain.
We compare suitable options from our panel and explain the recommendation, costs, limits and exclusions.
We support the application, explain the insurer’s final terms and confirm the agreed start date. An enquiry does not put cover in force.
Already have cover?
Bring your current policy and workplace benefits. We will look at the cover you have and how it fits your life today. Keeping an existing policy may be the right outcome.
Do not cancel existing cover until any replacement has been accepted and is in force. New premiums, exclusions and terms may differ.
Your questions, answered
It is not automatically compulsory. It may be useful where someone would be left with repayments or other commitments if you died. Check the mortgage conditions and assess the household’s wider needs.
Life insurance normally covers death and may include a defined terminal illness benefit. It does not normally replace earnings during illness. Income protection and critical illness cover have different purposes.
Yes. Bring the policy schedule, premium and remaining term. Keeping the existing policy may be the right outcome. Do not cancel it until any replacement has been accepted and is in force.
This can be appropriate in some circumstances. Discuss who should receive the benefit and the implications of the arrangement. Specialist legal or tax advice may be needed.
The insurer considers the cover amount, term, policy type and underwriting information, which can include age, health, smoking and lifestyle. We will explain the final terms before you decide.
Your next step
Start with the people who rely on you. Steven will help you compare suitable cover and understand the next step.
Prefer to call? 0330 633 0379
Cover is subject to eligibility, underwriting, policy terms, definitions and exclusions. Premiums and any relevant fees or charges will be explained before you proceed. Do not cancel existing cover until a replacement has been accepted and is in force.
Professional connections
Company details
