First Time Buyers – Life Insurance: Where do I start???


Hi everyone ,

My partner (33) and I’s (32) mortgage has been approved and our solicitors are currently undertaking the searches. We are thinking about our life insurance (eek) as we are not married yet. For the mortgage, we are thinking of having joint decreasing life insurance to cover the mortgage. Then, separately, have income protection and critical illness cover. Does that seem reasonable as we currently have no children? Though, we thought of also having level term insurance in place in anticipation of starting a family and it would be cheaper now than later.

Our families have never bought homes before, so we are new this process. So any advice given, would be appreciative?

Thank you in advance.



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