Life Assurance Advice in St Helens
If the worst happens, it’s nice to know your loved ones will be taken care of.
Protect Your Loved Ones with Expert Life Assurance Advice
Be healthy, wealthy and financially wise. With the right level of cover, your family will be looked after, no matter what happens to you.
At Allisons Financial, we know that planning for the unexpected isn’t always easy to think about — but it’s one of the most important things you can do for the people you love. Life assurance helps provide security and peace of mind, ensuring that your family can maintain their standard of living, no matter what happens.
Based in St Helens and Rainford, we’re here to give you expert, independent life assurance advice, tailored to your specific needs and future goals.
Life can be uncertain — your family’s financial future doesn’t have to be.
Types of Life Assurance and Personal Protection
This kind of policy usually only pays out if you pass away. It’s designed to help families live comfortably after an earner has gone. For example, it may be used to pay off a mortgage or loan, or simply provide some extra financial security.
This pays you a lump sum in the event you’re diagnosed with a critical illness. If you lose your income due to long-term illness, it can be used to pay the bills, or pay off any debts you might have. Though because it doesn’t usually pay out after you pass away, it won’t provide for your family after you’ve gone.
Income protection is sometimes called permanent health insurance. That’s because it’s a longterm policy, rather than critical illness cover, which pays out a one-off lump sum due to a sudden, serious illness.
Family income benefit covers you for a fixed period of time. Meaning if something were to happen to you, your family would be looked after financially.
Were you to die during the term until the policy end, the policy would pay out monthly and tax-free. Meaning if you took out a 20-year family income benefit policy and died after five years, it would continue to pay out for another 15 years.
Why Life Assurance Matters
What would happen to your loved ones if your income suddenly stopped? It’s not a pleasant thought, but it’s one worth considering. Life assurance provides the financial support your family may need to:
Pay off a mortgage
Cover household bills
Repay debts
Fund education costs for children
Maintain their lifestyle
We’re here to make sure that, should the worst happen, your family won’t have to struggle financially. We work with you to build a personalised protection plan that gives you complete peace of mind.
For all of life’s journeys
The quickest and easiest place to start with personal protection with us. Guiding you through the maze of options, we’ll make sure the bills are covered, even if you pass or you’re unable to work. Sometimes referred to as life insurance, life cover and level term assurance, it’s an option everyone should consider, even if you don’t have any dependents or a mortgage.
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Helping You Choose the Right Cover
We understand that life assurance isn’t one-size-fits-all. That’s why we take the time to learn about you, your family, and your financial goals.
With access to the whole of the market, we can recommend the right products to:
Suit your budget
Match your lifestyle
Offer the protection your family truly needs
And because we’re independent, you can be sure that the advice we give is completely unbiased — we work for you, not the insurance companies.
Why Choose Allisons Financial?
Local & Independent: Based in St Helens and Rainford, we proudly serve clients throughout Merseyside.
Personal Service: One-to-one support from a dedicated, experienced adviser.
Clear, Honest Advice: No jargon. No confusion. Just clear guidance.
Whole of Market Search: Giving you access to exclusive life assurance policies not available direct.
Ongoing Support: We’re here not just for today, but for life’s whole journey.
Frequently Asked Questions for Life Assurance
Do I need life assurance if I don’t have children?
Even if you don’t have children, life assurance can help cover debts, mortgages, or provide a financial gift to someone close to you.
How much cover should I have?
It depends on your family’s needs. We’ll work with you to calculate the right level of cover based on your circumstances.
Is life assurance expensive?
Many policies are surprisingly affordable. Your monthly cost will depend on factors like your age, health, and the level of cover you choose.
What’s the difference between life assurance and life insurance?
The terms are often used interchangeably, but technically, ‘life assurance’ covers you for life, while ‘life insurance’ is usually for a set term. We’ll explain the details and help you decide what’s right for you.
Helping Families Across St Helens
Allisons Financial has proudly supported families in St Helens and across Merseyside for years. Whether you’re in Eccleston, Haydock, Newton-le-Willows, Prescot, or beyond, we’re here to help you protect what matters most. Wherever life takes you, our dedicated experts will guide you through the process, offering local expertise with a personal touch.
