Life Insurance

 

Your life forms the core of your financial world — supporting your family, maintaining your lifestyle and underpinning future plans. Although considering potential risks is never comfortable, selecting appropriate protection is a rational, responsible decision that ensures continuity and financial stability should the unexpected occur.

Life Insurance provides meaningful financial support in the event of your passing, offering a tax-free lump sum or income to your chosen beneficiaries. It helps to protect your family’s future, ease financial pressures and allow your loved ones the space to grieve, heal and continue life with dignity, reassurance and stability.

Why Consider Life Insurance?

Every life is different — and so is every protection need. At Overcombe Financial, we guide you to the most appropriate type of cover that aligns with your commitments and lifestyle.

Level Life Insurance

Level Life Cover provides a fixed lump sum throughout the policy term. It does not decrease over time, making it ideal for:


• Protecting family lifestyle
• Leaving a legacy or inheritance
• Providing long-term financial assurance

Decreasing Term Assurance (DTA)

Decreasing Term Life Cover gradually reduces in line with a repayment mortgage, offering protection designed specifically to safeguard your home, making it ideal for:


• Protecting a repayment mortgage
• Ensuring loved ones can remain in the family home
• Providing reassurance aligned to real financial commitments

At Overcombe Financial, we take time to listen — to understand your priorities and the people you want to protect — before creating a carefully structured solution bespoke to your individual needs.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME FORMS OF BUY TO LET. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME/PROPERTY

There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £150 to £999 and this will be discussed and agreed with you at the earliest opportunity.​

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.​

Overcombe Financial is a trading style of Cox & Flight Financial Solutions Ltd and is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority​

Cox & Flight Financial Solutions Ltd registered in England and Wales with company number 13246868. Registered Office: 1a Towergate, Guisley, Leeds, LS20 9JB.

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