A mortgage or rent
Cover can create a lump sum or income to help loved ones remain secure in their home after a death.
Advised life insurance
Life moves fast. Help the people you love keep moving forward.
A suitable policy starts with your life—not a generic price table. A Finance Magic adviser looks at your family, income, debts, existing benefits, budget and priorities before recommending cover from a choice of insurers.
A no-obligation first conversation; no medical history collected in this form
✦✦
Your protection pictureKeep the essentials funded when income stops
- Mortgage or rent
- Household income
- Children and care
- Debts and future plans
Human help
when it matters
when it matters
About 2 minutes
Personal recommendation Choice of insurers FCA-regulated advice FSCS explained accurately
The reason for cover
Life insurance buys financial breathing room
If you die while an eligible policy is in force, life insurance pays the agreed benefit. That money can replace income, repay borrowing or fund care and future plans. The need is personal: the useful amount and term depend on who relies on you, what you owe and what protection already exists.
What would still need paying without you?
Protection is not only for the highest earner. Unpaid care, household work and business responsibilities can have a real replacement cost too.
Everyday household income
A benefit can help replace lost earnings while a family adjusts, rather than forcing immediate financial decisions.
Children and caring
Schooling, childcare and unpaid care can continue to cost money even when the person providing them is gone.
Debts and final costs
Suitable cover can help settle personal commitments and immediate expenses instead of passing them to family.
Business continuity
Owners and key people may need separate cover for loans, shares, replacement costs or continuity planning.
Time to make decisions
The benefit can provide breathing room so dependants do not have to sell assets or change plans immediately.
You may need cover even if you are not the main earner
A protection review measures both money coming in and the cost of responsibilities that would need replacing.
- A partner, child, parent or other dependant relies on your income or unpaid care.
- You have a mortgage, rent, loans or financial commitments another person would inherit or need to manage.
- Employer death-in-service benefits are limited, tied to your job or not enough for the full need.
- Your family, income, borrowing, business or existing cover has changed.
- How much cover is genuinely needed after savings, pensions, benefits and existing policies.
- Whether the premium remains affordable for the entire proposed term.
- Whether level, decreasing or income-style benefits best match the financial need.
- Policy exclusions, underwriting, trusts, beneficiaries and the tax position where relevant.
Four common ways to structure protection
The lowest headline premium is not necessarily the right policy. The benefit pattern should match the problem it is intended to solve.
A recommendation built around your circumstances
Finance Magic offers products from a choice of insurers. Your adviser should explain the scope of that service and why the recommendation is suitable.
- 01
Map the need
We discuss dependants, income, debts, mortgage, existing cover, benefits, budget and priorities.
- 02
Compare suitable routes
The adviser considers cover amount, term, benefit structure, ownership and relevant insurer options.
- 03
Explain the recommendation
You receive the reasons, costs, key exclusions, underwriting expectations and important alternatives.
- 04
Apply with support
If you choose to proceed, the adviser helps with a truthful application and keeps you updated through underwriting.
Cover is not in force until the insurer accepts the application, confirms the start date and any required premium is paid. Never cancel existing cover until replacement terms are confirmed and advice has been taken.
Your case, in your pocket
Move forward faster with the Finance Magic Client App
Create your case once, then keep everything together as it progresses. Check rates, upload documents and speak to your adviser without chasing emails or wondering what happens next.
- Create and manage casesStart an application and keep your details organised.
- Monitor every stageSee progress and manage active applications.
- Check available ratesExplore current options relevant to your needs.
- Upload documents securelySend requested documents directly from your phone.
- Chat to your adviserKeep questions and updates in one connected place.
- Manage financial productsReturn to your applications and products whenever you need.
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What protection does—and does not—promise
Finance Magic is a trading style of Ever North Limited and provides regulated insurance advice using products from a choice of insurers. The precise scope of the service and any limitations must be disclosed before advice is given.
Premiums and acceptance depend on insurer underwriting, including truthful health and lifestyle information. Cover is not in force until the insurer confirms acceptance, terms, start date and required payment.
Questions worth asking
These are general answers. Your adviser will explain what applies to your circumstances.
How much life insurance do I need?
There is no universal multiple. A useful calculation considers debts, mortgage or rent, replacement income, children and care, future goals, final costs, existing cover, savings and the term for which each need lasts.
What is the difference between level and decreasing cover?
Level term cover keeps the insured lump sum fixed during the term. Decreasing cover generally reduces over time and is often designed to broadly follow a repayment mortgage. Inflation and the exact debt structure matter when comparing them.
Can I cover my partner and me together?
Joint-life cover may pay once, usually on the first valid claim, after which the policy ends. Two single policies may provide two potential payouts and more flexibility, but can cost more. Advice should compare the consequences, not only the premium.
Does critical illness cover every serious illness?
No. It pays only when a diagnosed condition and its severity meet the policy definition. Definitions, exclusions, children's benefits and partial payments vary by insurer and policy.
Will I need a medical examination?
Often an application starts with health and lifestyle questions. Depending on age, cover, answers and insurer rules, medical records, a nurse screening or tests may be requested. Answering accurately is essential for a valid claim.
Is Finance Magic's advice covered by an FSCS guarantee?
No responsible firm should describe all advice as guaranteed. FSCS may protect eligible customers if a regulated insurer or intermediary fails. For a failed PRA-authorised insurer, eligible valid term-life, whole-of-life and critical-illness claims are currently protected at 100% of claim value, subject to FSCS rules.
Should I put life insurance in trust?
A suitable trust can help direct benefits and may speed payment outside an estate, but it changes legal control and may have tax or estate-planning consequences. The right trust and trustees depend on your circumstances, so take appropriate advice.
When should I review existing cover?
Review after major life changes—home purchase, marriage, separation, children, job or income change, new borrowing, business changes—and periodically to check that the amount, term, beneficiaries and affordability still fit.
Before you continue
What protection does—and does not—promise
Finance Magic is a trading style of Ever North Limited and provides regulated insurance advice using products from a choice of insurers. The precise scope of the service and any limitations must be disclosed before advice is given.
Premiums and acceptance depend on insurer underwriting, including truthful health and lifestyle information. Cover is not in force until the insurer confirms acceptance, terms, start date and required payment.
Life insurance has no investment value unless the policy expressly says otherwise. If a term policy ends without a valid claim, there is normally no payout and premiums are not returned.
FSCS is a compensation scheme that may apply if an authorised firm fails; it is not a guarantee of advice, investment performance, policy suitability or every claim. Eligibility and protection depend on the firm, product, failure and current FSCS rules.
Do not cancel existing protection until replacement cover is accepted, in force and reviewed. New terms may include exclusions, higher premiums or declined conditions that the old policy covered.
Product and regulatory sources
Facts reviewed 29 August 2026.
- Ever North regulatory information — FCA reference, company details and registered office
- Finance Magic protection services — consumer-facing insurance advice and products from a choice of insurers
- FCA financial promotions guidance — fair, clear and not misleading standard for life assurance promotions
- FSCS insurance protection — current conditional protection for eligible life and critical illness claims
- Finance Magic customer privacy notice — handling of insurance and potential health data
- Finance Magic terms and conditions — service, complaints and insurance-business disclosures
- Finance Magic Client App — Apple App Store — official iPhone and iPad app listing
- Finance Magic Client App — Google Play — official Android app listing and current feature overview