Expert advice on Life Insurance, Mortgages and Wills in Northern Ireland
Covering counties Antrim, Down, Armagh, Derry-Londonderry, Fermanagh and Tyrone
Call our Newry office for 'No obligation' advice on 02830 252455
Term Insurance call us now 028 30252455 lines open Mon to Fri 8.30am-8pm Sat 9-5pm
Life Insurance

  • Cover From £5 Per Month!*
  • Fee Free Consultation.
  • No Obligation.
  • No Jargon.
  • Free Will For Each New Customer.

Quick quote Life Insurance Northern Ireland

Term insurance is the cheapest way to buy life insurance, Why?
Because you are insuring against an event (death/terminal illness) that might or might not happen within the set time frame (the term) the insurer might or might not have to pay out depending whether you die within ‘the term’. Where as with ‘whole of life’ insurance it’s guaranteed to pay out whenever you die, for this reason you will find that term insurance is cheapest form of life insurance.

Call us today on 028 30252455 if you need help or would like to discuss term life insurance, we would be delighted to offer you some advice and assistance. All of our staff are based right here in Newry Northern Ireland so if you live in Enniskillen or Eglish..Markethill or Maghera.. Belfast or Belcoo or anywhere in NI we’d be delighted to help you.

What type of term insurance will meet your needs?
Here’s an explanation of the types of term life insurance policies..

1 Level Term Life Insurance
This will pay a fixed lump sum on death. The amount it will pay out is fixed at the application stage and the monthly premiums are normally guaranteed not to change at any stage during the term of the policy.

2 Increasing (also known as indexed) Term Life Insurance
The amount you are insured for will normally rise each year without any further medical underwriting being required, this will help keep your level of life insurance in line with say the average earnings in the UK or UK inflation. Premiums will also rise each year with the level of your cover however this is not normally by a large amount.

3 Decreasing Term Life Insurance
Will payout a lump sum on your death and would normally run alongside a repayment mortgage. The ‘sum assured’ (amount of cover) will decrease as the amount of money you owe on your repayment mortgage reduces.

4 Family Income Benefit
One of the cheapest term life insurance policies you can buy. Traditional term life insurance pays out a lump sum on death or diagnosis of a terminal illness where as Family Income Benefit works by providing your dependants a regular tax free monthly income from the time of claim (death or terminal illness) until the end of the term.

Sugar Island Financial Advice are your local life insurance experts here in Northern Ireland covering counties Down, Armagh, Antrim, Derry-Londonderry, Fermanagh or Tyrone. We are right here on your doorstep and can provide life insurance designed to meet the specific needs of you and or your family.

Call us now for a quote 028 20252455 No obligation
Call us  our lines are open Mon to Fri Between 8.30am and 8.00pm, Sat 9.00-5.00pm and Sun 9.00am-1pm or click the Quick Quote life insurance button opposite we’d love to hear from you!


*Life cover based on a Male aged 30, non smoker Amount covered 64,215.00 over 10 years

The information on this website is subject to the UK regulatory regime and therefore targeted at consumers based in the UK.