Is this you?
You have just taken a mortgage and want it cleared if you die before the term ends.
You have had a child and your existing cover was set before they arrived.
You are self-employed with no death-in-service benefit from an employer.
You hold an old policy and are not sure it still matches what you owe.
How Verion helps
We work out the real figure from your mortgage balance, income and dependants, rather than a default round number.
We compare cover from providers on our panel and explain the trade-offs plainly.
We set the term to match your mortgage or the years your children remain dependent.
We explain how writing a policy in trust can keep any payout outside your estate and speed up payment.
The process
Understand
A short conversation about your mortgage, income, family and any cover you already hold.
Size the cover
We calculate the amount and term from your actual exposure, not a template.
Recommend
We present a clear recommendation with the reasoning and the cost.
Apply and review
We handle the application and paperwork, and check the cover still fits at life changes.
Things worth knowing
Level cover stays the same throughout. Decreasing cover falls broadly in line with a repayment mortgage and usually costs less.
Premiums depend on your age, health and whether you smoke. Being honest on the application protects the claim.
Life insurance pays out on death, not on illness. Critical illness and income protection cover different risks.
Writing a policy in trust is often sensible, but the right structure depends on your circumstances.