Life Insurance for Mums | Money Saving Advisors
Coverage options for mothers to protect their children’s future. Ensure your family’s financial security.
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Financial security? Mum's the word
Becoming a mum changes everything. You go from thinking about "me" to planning for "us." That includes making sure your family would be alright if something happened to you - and that's where the right life insurance policy comes in.
Cover for the everyday - and long-term
Whether you're the main earner, on maternity leave, or juggling work and family life, life insurance can help your family carry on.
- Household bills: Even if you're not the main earner, replacing the cost of everything you do - running errands, cooking, the school run - can all add up.
- Childcare and education: An insurance payout can help cover nursery fees, school uniforms, or university costs.
- Paying off the mortgage: Many mums choose "decreasing term" cover to match their mortgage and clear the debt if they pass away.
- Long-term savings: Some mums take out whole-of-life cover to leave an inheritance or help with funeral expenses.
Tailored to your daily life
A mother's work is never done, but you can still find life insurance cover that fits the bill.
- Affordable premiums: Cover can cost less than a monthly takeaway. It's all about finding what works for your budget.
- Joint policies: If you have a partner, a joint life insurance policy can often work out cheaper than separate plans.
- Stay-at-home mums: You don't need to earn a salary to be insurable - your role is vital and may still benefit from financial protection.
- Health and lifestyle friendly: Even with health issues, many mums find affordable cover - and plans can be tailored to fit your family's lifestyle.
Summing up
Life insurance for mums is all about giving your family financial security, even if you're not there to hold their hand. Whether you're a young mum or managing a busy family home, it's never too early - or too late - to plan ahead.
Ready to find life insurance for mums?
Frequently Asked Questions
Is life insurance worth it if I’m not the main earner?
Yes, it can be. Life insurance isn't just about replacing lost income. It's about covering everything you contribute to your family - childcare, emotional support, housework, and more. If something were to happen to you, life insurance helps your family afford the support they'd need to fill those roles, which could cost thousands a year. You can also add extras like critical illness cover, which pays out if a serious illness prevents you from working.
Can I get life insurance while pregnant?
You can, and many expectant mothers do. Pregnancy is a common time to start thinking about life cover. As long as you're in generally good health, being pregnant won't stop you getting a policy. In fact, the younger and healthier you are, the more affordable your premiums are likely to be - so it can actually be a smart time to apply.
What if I already have life insurance through work?
Workplace life insurance is a good bonus, but it often doesn't go far enough. It sometimes only covers a few years' salary and ends when you leave your job. A personal policy stays with you, gives you more choice, and can be tailored to your family's exact needs - so you're covered whether you're a working mum or not.
Do I need to do a medical exam?
Not necessarily. Many life insurance providers now offer quick and simple online applications with no medical exam required. You'll usually need to answer a few health and lifestyle questions, and your answers affect your eligibility and premium. Unless you have more complex health conditions, you're likely to get cover without needing to see a doctor.
How long should I get cover for?
How much life insurance cover you should get, and for how long, depends on your personal circumstances. Most parents choose cover that lasts until their children are grown up or their remaining mortgage balance is paid - typically 20 to 30 years. That way, if the worst happened, the cash lump sum would cover key expenses like childcare, living costs, or outstanding debts until your kids can stand on their own two feet.
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