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

Mortgage product transfer vs. remortgage

Mortgage product transfer vs. remortgage

When it comes to managing your mortgage, there often comes a point where you need to make a decision...

Read More >
Look after your health to ensure you are ready to work

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 ...

Read More >
Why the need for money from our homes in retirement is changing

Why the need for money from our homes in retirement is changing

When it comes to money tied up in your home and unlocking this, there are a range of reasons why Lif...

Read More >
CASE STUDY: Over 50 but too young for equity release – what are the options?

CASE STUDY: Over 50 but too young for equity release – what are the options?

People over the age of 50 often find it difficult to get a mortgage because many lenders will not ta...

Read More >
Autumn Statement: 95% Mortgage Guarantee Scheme has been extended

Autumn Statement: 95% Mortgage Guarantee Scheme has been extended

As part of their Autumn Statement, the Government announced that the 95% Mortgage Guarantee Scheme h...

Read More >
How to sell your home over Christmas

How to sell your home over Christmas

The festive season may not be the most conventional time to sell your home, but it can actually be a...

Read More >

What our clients say...

Latest Blog

Key Trends Shaping Mortgages, Protection & Later-Life Lending in 2025

It’s been a busy year in the finance world! Have you been reading along? We’d thought we’d break ...
Read More

Case Study: Navigating Complex Lending

Applying for a mortgage can sometimes be straightforward, but when your financial situation is compl...
Read More

Understanding Tax Calculations and Tax Year Overviews

If you’re applying for a mortgage, you may have come across the terms SA302 and Tax Year Overview. ...
Read More

Want to Boost Your Home's Appeal? Start with the Garden

What an amazing summer we’ve been having, and if like us, you’ve been spending a lot of time in th...
Read More

Making the Most of Your Home in Retirement – With the Right Advice

For many people approaching or already in retirement, your home isn’t just where you live, it’s al...
Read More

From Renting to Retirement: How Your Insurance Needs Change Through Life

As your lifestyle evolves, so do the risks you face. Your insurance cover should adapt to reflect th...
Read More

Supporting a Self-Employed Single Mum with Critical Illness Cover

We recently encountered an interesting real-life scenario, and we thought it would be helpful to sho...
Read More

Boost Your Chances for a Mortgage

Are you looking for a new mortgage? How organised are you? Let’s go through some of the key criteri...
Read More

Stay Calm and Financially Resilient

Your Money, Your Safety Net...Life can be unpredictable. Whether it's a sudden job loss, an illness,...
Read More

Can Your Health Cover Help You Get Fitter? Here’s How

Are you looking to feel your best this summer? It can be a self-conscious time of year, but let’s m...
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