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AriLIFE

If something happened to one of you, would the family be OK?

We work out what your family would actually need, recommend the cover for it, and handle the paperwork. You do it online in your own time, and a real adviser writes your recommendation.

  • All online, in your own time. No sales calls. Talk to us only if you want to.
  • Advice, not a price list. Life insurance, critical illness cover and income protection, looked at together.
  • Set up so it reaches your family. Trusts are part of the job, not an extra.

Two-minute cover check

A starting point, using the same method our adviser uses with clients. Nothing you type is saved or sent.

Who is this for?
£
Bills, food, childcare, cars. A rough figure is fine.
Not sure? Add it up here
£
£
£
£
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Monthly amounts. Leave out rent or mortgage. The total fills the box above.

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£
Would the family struggle for money if either of you died?
Count a parent at home too. Childcare and running the house cost money to replace.
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£
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£
Include cover through work if you know it. Leave blank if not.

The mortgage

Mortgage coverPays off what is left on the mortgage£0

You

Critical illness coverTwo years of spending, housing included£0
Family coverType your figures above£0

Your partner

Critical illness coverTwo years of spending, housing included£0
Family coverType your figures above£0

These are the gaps after the cover you already have. Mortgage cover is life insurance that reduces as the mortgage is paid down. Family cover is life insurance for a fixed amount, and the figure assumes the payout is invested and gives the family about 5% a year, which is an assumption and not guaranteed. This is an illustration to start a conversation. It is not advice, a recommendation or a price. The right cover for you is agreed on a call.

Get my price for this

For parents

    How we are different

    Proper advice, without the phone calls.

    • Online, in your own timeAnswer a few questions when it suits you. No sales calls and no chasing.
    • A named adviserAri, our adviser, reviews your answers himself and writes your recommendation.
    • Sized from your spendingCover worked out from what your household costs to run, then checked against what you can afford.
    • We do the formsThivya handles the application, the medical questions and the insurer.

    The cover

    Three kinds of cover, and how they fit together.

    Which ones you need, how much and for how long depends on who relies on you, what you owe and what work would pay you if you were ill.

    Life insurance

    Pays a lump sum if you die during the policy, so the people who rely on you can clear the mortgage and keep going.

    Worth looking at if
    You have a partner, children, a parent you support, or a mortgage someone else would be left with.
    How we size it
    Enough to clear the mortgage, plus a sum to replace what the family would lose.

    Critical illness cover

    Pays a lump sum if you are diagnosed with one of the serious illnesses the policy lists, such as certain cancers, a heart attack or a stroke. It does not pay for every illness.

    Worth looking at if
    You work and your bills would not stop if you were seriously ill. That includes people with no dependants.
    How we size it
    Our starting point is two years of household spending, housing included.

    Income protection

    Pays a monthly income if illness or injury stops you working, after a waiting period you choose. It covers far more situations than critical illness cover does.

    Worth looking at if
    You are self-employed, or your sick pay from work would run out within a few months.
    How we size it
    From what your employer would pay and for how long, then the gap after that.

    Other cover we can look at with you: family income benefit, mortgage protection, and accident, sickness and unemployment cover.

    How it works

    Four steps, all online.

    1. Run the cover checkTwo minutes to see roughly what you would need.
    2. Tell us about youA short form: date of birth, job, smoker or not, and a few health basics.
    3. Your price, in writingAri reviews it and we send your price and recommendation within one working day.
    4. Apply onlineHappy with it? Apply by link. Thivya deals with the insurer, and the policy goes in trust where it suits.

    Trusts

    Who gets the money matters as much as how much.

    A life policy that is not in trust usually pays into your estate. Your family may then have to wait for probate, and the payout can count towards inheritance tax, depending on the size of your estate and who inherits.

    A policy in trust is paid to trustees you choose, usually people you would rely on anyway, who pass it to the people you named. That is normally quicker and normally outside your estate.

    A trust is not right for every policy and is usually hard to undo, so it is something we explain to you first. Tax rules can change.

    About

    Two people, and you will know both of us.

    Ari Vinotharajah

    Financial adviser

    Ari has worked in financial services since 2012 and has advised families since 2015. He reviews every case himself and writes your recommendation before anything is applied for.

    Thivya Morar

    Client Services Manager

    Thivya looks after your application from the first form to the day your policy starts, and is your contact for anything that needs changing afterwards.

    Pass it on

    Know another family who should check theirs?

    Send them the cover check. It takes two minutes and nobody rings them unless they ask.

    Get your price

    Tell us about you. No call needed.

    We will send your price and recommendation in writing within one working day. Prices depend on your age, health and the cover, which is why we ask.

    Please add your name.
    Please add an email we can send your price to.
    Please add your date of birth.
    The insurer asks its own full health questions when you apply.
    Please add a number Ari can call.

    We use your details only to prepare your price and recommendation.

    We are not open yet, so nothing was sent or saved. This opens when Ari Life launches.