Every 20 minutes in the UK, a child loses a parent they depend on financially*. Getting life insurance could be one of the smartest things you can do to protect your family financially. Polly’s mission is to make this process as simple, quick, and straightforward as possible, so you can cross one more thing off your To Do list.
Because we believe that nobody should be worried about money when they’re dealing with the loss of a loved one.
Polly makes it quick and easy to get the financial protection you need at a price that’s right for you.
It’s just a few questions, no confusing financial jargon, and you’ll be done before the kettle’s boiled. Once you’re ready, just hit ‘send’.
Expect a call. Not from a robot, but from a real person who’s here to help you find the right cover for you and your family.
Let’s be honest, you’re a mum & you’ve got loads on. So we'll handle the tricky stuff while you get on with your day. Simple, huh?
Don’t just take our word for it. Hear from some of the mums just like you who chose to protect their families’ financial futures with Polly Life Insurance.
Think of it as a financial safety net for your family. If the unthinkable happens and you die, your life insurance policy is designed to provide a lump-sum pay out to help with the bills.
Surprisingly little - your monthly premium will depend on your health, lifestyle and cover amount, but can be between £6 - £20 a month for many.
That’s what we’re here for. Our advisors know what they’re doing, and they’ll talk you through everything – without the jargon – to find cover that works for you. In the meantime, check out our FAQs for more information.
Death is the only certainty in life. Could your family afford to live without you? Do you have enough savings for your partner to take the time they need off work? If not, life insurance can help lighten the financial load.
Yes. 97% of UK life insurance claims result in a successful pay-out. In fact, Insurers paid out £3.87 billion in 2022**.
Let’s talk about it. We know – dying’s not our favourite topic of conversation either. But it’s a fact of life, and the tragic reality is that it sometimes happens much sooner than expected.
That’s why we launched Polly.
We were shocked to discover how many families had no financial protection. And the more we looked at the insurance industry, the more we realised that very few Insurers were actually talking to mums about the importance of life insurance.
You may think you’re too young, too healthy, or even just too busy. But nobody can predict the future. And the earlier you sign up, the cheaper it’s likely to be. Don’t leave it until the last minute. Click below to get started with a free, no obligation quote.Start my free quote
If you've got questions, we've got the answers.
Life insurance is a financial protection policy that pays out a lump sum of money to your loved ones if you die. It can be a crucial financial safety net for parents or partners who want to help make sure their loved ones can pay off their mortgage, clear any outstanding debts, pay the bills, or receive some money as a gift after they’ve gone. You pay for your life insurance in monthly instalments known as premiums, and there are many different types of policy you can opt for. Our sales advisors will consider your financial commitments and help you find the right cover to suit your needs.
Life insurance helps to protect your family financially in the event of your death. The amount you pay each month will depend on various aspects of your health and lifestyle. As long as you have kept up with your payments, which can be as little as £6 per month, your policy will pay out upon your death, giving your beneficiaries a lump sum payment to help them pay the bills and take the time they need to grieve after you’re gone.
Life insurance payouts in and of themselves are not subject to tax, however your payout may be subject to inheritance tax. Inheritance tax only applies if your total estate (property, money, possessions etc.) is valued at more than a total of £325,000, and you only pay tax on any amount greater than that amount For example, if your estate is valued at £400,000, an inheritance tax of 40% would only be applied to £75,000. You can, however, protect your life insurance proceeds from inheritance tax by nominating beneficiaries during the sale of your policy with us or by putting it in a trust with a legal professional, meaning it won’t be counted as part of your estate and the full amount will go directly to your chosen beneficiaries.
There are many types of life insurance cover you can choose from, including:
At Polly, we specialise in Level Term, Decreasing Term, and Critical Illness Insurance. However, our advisors can support you with other enquiries such as Over 50s Life Insurance and Income Protection Insurance through our other dedicated brands, Winston and Anorak.
It’s true that life insurance may not always be worth the investment for some people. But if you’re a homeowner, or have children, a partner, or anyone else who depends on you financially, it can be a really important safety net to have in place for those who rely on your income to pay the bills. Even if you’re not the breadwinner, if your partner couldn’t afford to take time off work, or would need to pay someone to take care of your children, your life insurance policy could make a huge difference.
Still not sure if life insurance is right for you? Sign up for a no obligation, totally free quote, and let one of our advisors talk you through your options, answer your questions, and give you some clarity.Start my free quote