fuse-life-insurance-home-page-banner

ALL UNDER ONE UMBRELLA

At Fuse we’ve got it covered from all angles, whether it be Life Insurance, Income Protection or even Pet Insurance.

GET YOUR COMPARISON TODAY OF PROTECTION QUOTES FROM THE UK’S LEADING INSURANCE PROVIDERS.

It can be stressful trying to find the cover that’s right for you and your family, so we’re here to help. Working side-by-side with some of the biggest names in Life Insurance. We do not offer whole of market service. Our introductions are only considered against our panel of insurers, who are as following: LV, Aegon, Canada Life,  Royal London, British Friendly, One Family, Cirencester & Met Life. We use their 100+ years combined experience to achieve the best result for you. 

family-2
trustpilot-logo


REFER A FRIEND

If you’re an existing customer you can refer a friend and both receive a £50 voucher of your choice when your friend takes out a new policy as our way of saying thank you. If you aren’t a current customer you can still refer a friend and both receive your vouchers when you both take a policy out. T&C’s apply 

refer-a-friend-voucher2
level-term

LEVEL TERM

Your cover will never change from the start to the expiry date of your policy…

mortgage-protection

MORTGAGE PROTECTION

Provides a decreasing sum of protection over a period of time, and is…

critical-illness

CRITICAL ILLNESS

Pays out while you’re alive if you develop one of a number of pre-defined illnesses…

whole-of-life

WHOLE OF LIFE

Guarantees a pay-out regardless of when you die, and has no expiry date.

income-protection

INCOME PROTECTION

Will pay out a tax-free amount of regular monthly salary should you need…

QUICK QUOTE

We want to give customers the best online experience when searching for a life insurance policy, so we’ve tailored our forms to simplify your first steps on the road to your new policy.

UK'S TOP UNDERWRITERS

We give our customers the opportunity to compare quotes from all our insurance partners. Helping you find the right type of life insurance cover for you. (We do not offer whole of market service. Our introductions are only considered against our panel of insurers, who are as following: LV, Aegon, Royal London, British Friendly, One Family, Cirencester & Met Life.)

family-5

Whether you want to insure yourself, your income or prepare for later life, we can provide many policies courtesy of our industry partners. So kick back and let Fuse’s friendly sales agents walk you through your perfect policy, helping insure you and your family no matter what life brings. *Our services are free, and we do not take any payment from you, as we receive our commission directly from the provider for the introduction.

FAQ’s

We know it’s not a cheerful thing to think about, but life insurance can help give you peace of mind should the worst come to pass. It can help loved ones and dependants cover any debts or bills you leave behind, or help them out as they move forward. Money can’t replace a family member, but it can certainly help knowing that your family is left financially secure.

People only tend to think about life insurance during a big life event, such as buying a home, getting married, having a baby or starting a new job. But it may be worth considering one sooner when you’re young and healthy, as your premiums could be lower.

Various factors may affect your premium. These include your age, your health, how long you want to be covered for, the amount of cover you need and whether you smoke. So be sure to compare to find the right policy for you.

Deciding which is the best life insurance type for you and your family depends on your needs. There are two main types of policies to consider.

1. Level term life insurance – is one of the most common types of life insurance available. As its name suggests, the amount of cover provided by this kind of policy does not change over time. It also has a set term, which you choose from the beginning, and the premiums won’t change during this period. If you don’t die during the term of the policy, it simply finishes, and you will need to consider taking out a new policy if you still want to be covered.

2. Decreasing term insurance – is often bought to clear a specific debt (normally a repayment mortgage) that also reduces over time, with the policy paying out in the event of the death of the borrower or his or her partner. The term is usually selected to match the debt in question. Not all decreasing term insurance is taken out to cover mortgages, though. Some people also choose this type of life cover because they do not feel such a big pay-out will be necessary if they die later on in life. Notably, a decreasing term policy can be cheaper than level term insurance because the sum insured goes down rather than staying the same throughout, reducing the risk of the insurer having to make a big pay-out.

Once you’ve decided on the policy you need, there are few types to consider, depending on your circumstances. Critical illness covers pays a tax-free sum of money to cover the costs of certain serious illnesses e.g. to help with things like a mortgage payment if you’re unable to work. Critical illness policies can cover cancer, heart attacks and strokes.

Joint life policies are designed for couples who share their finances. They can sometimes be cheaper than two separate policies, but it is worth noting that Joint polices will only pay out once upon the death of the 1st policy holder. So if you wanted to continue the cover after it’s paid out, you would need to consider taking out a new policy.