Call us
01242 697821

Blogs

Keep up to date with the latest news and our guides on all things mortgages. 

4 reasons why January is a good time to buy life insurance

January is a month of possibilities, and one of the best gifts you can give yourself and your loved ones is the security of life insurance. Here's why January is the perfect time to make this important decision.

1. Age is on your side:

The clock is ticking, and you'll never be younger than you are right now. One of the key factors influencing life insurance premiums is age. The younger you are, the more affordable your policy is likely to be. Locking in coverage in your twenties or thirties can result in significantly lower premiums compared to waiting until later in life. By taking action in January, you're making a financially savvy move that ensures you get the most value out of your life insurance investment.

2. Time is of the essence:

In the midst of the winter cold and early darkness, January often provides a slower pace of life. With the hustle and bustle behind you, this is an ideal time to focus on your priorities. What better use of your time than taking steps to safeguard the financial future of your loved ones? By addressing important matters like life insurance now, you are setting the stage for a more secure and worry-free year ahead.

3. A fresh start for a brighter future:

The beginning of the year is symbolic of new beginnings and fresh starts. As 2024 unfolds, there's a chance it could be your best year yet. Starting the year on the right foot involves tackling tasks that have been lingering on your to-do list for too long. Securing life insurance is a proactive step towards creating a foundation of financial stability and protection for your family. Don't let procrastination stand in the way of your peace of mind.

4. A lasting gift to yourself:

While the festivities may be over, there's still room for one last gift — the gift of security. Investing in life insurance is a powerful way to ensure your legacy and provide for your loved ones, even when you're not there. Consider it a thoughtful and lasting present to yourself, one that brings peace of mind and demonstrates your commitment to the well-being of those you care about.

Now could be the ideal time
to secure your future with life insurance

SPEAK TO AN ADVISER

Related

Make your mortgage review a priority in 2024

Make your mortgage review a priority in 2024

For most of us, our home loan represents one of the most significant financial commitments of our li...

Read More >
The importance of income protection

The importance of income protection

Income protection is a crucial aspect of personal finance that is often overlooked by many people. I...

Read More >
5 things to ask a mortgage advisor

5 things to ask a mortgage advisor

Choosing a mortgage can be complicated. The mortgage market in UK is extremely competitive but lende...

Read More >
Secured loans – Defeat the debts

Secured loans – Defeat the debts

It’s no secret that the results of the pandemic and the more recent cost of living crisis have left...

Read More >
Is it time to review your protection policies?

Is it time to review your protection policies?

Recently we have been seeing all sorts of local news pieces on crowding funding appeals to help fami...

Read More >
Can I use equity release to buy a new home?

Can I use equity release to buy a new home?

Whether you are looking to purchase a new home to move into or purchase a property for a family memb...

Read More >

What our clients say...

Latest Blog

A fresh start for your money this spring

Let’s get a bit cheesy this month with this very catchy phrase: “Spring Cleaning Your Finances—A ...
Read More

How does your gender affect health?

Are you looking for a health insurance policy? We’ve looked at the research and there are some dif...
Read More

Your monthly equity release update

New research shows that people over the age of 55 are increasingly choosing to release equity in the...
Read More

Expect the unexpected: Critical Illness Protection for the whole family

Did you know Critical Illness Protection is important for the whole family? Not just the main earner...
Read More

Recently divorced or separated? Is your insurance up to date?

If you're going through a divorce or separation, updating your insurance policies is a necessary ste...
Read More

Why a specialist can save your mortgage

In our post-pandemic world, we are seeing lots of changes for the needs of borrowers! Do you need sp...
Read More

Key Changes to Stamp Duty

As of April 1, 2025, significant changes to the UK's Stamp Duty Land Tax (SDLT) have come into effec...
Read More

Here are some tips for managing bills and finances when you don’t have a regular income

Managing money and bills self-employed can feel like a juggling act. Especially since you don't have...
Read More

Look after your health to ensure you are ready to work

Managing money and bills self-employed can feel like a juggling act. Especially since you don't have...
Read More

Is equity release available for the self-employed?

Are you self-employed, retired, or unemployed and looking for equity release? Are you wondering if y...
Read More


Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

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

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


  • Back to top