What type of life insurance do I need?
Level-term, decreasing-term, whole-of-life — the names can feel baffling. Here's a plain-English run-down of which one tends to fit which situation.
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Insurance
Comprehensive insurance solutions to protect what matters most.
Insurance Broker in Lanarkshire & Glasgow
Life is unpredictable — a range of insurance products from our East Kilbride office can safeguard your financial security and peace of mind.
We are committed to providing reliable insurance solutions that give you the confidence to live life to the fullest. When you arrange your insurance alongside your mortgage, we can coordinate everything to make sure you're covered from day one — no gaps, no stress.
Contact us by phone, email, or pop in to our East Kilbride office for a one-to-one consultation.
Speak to an AdviserOur Insurance Products
The cover you need to protect your home, your income, and your loved ones.
Home Insurance
Cover for your property and belongings against damage, theft, fire and floods — whatever the size of home or valuables needing protection.
Life Insurance
Protect your loved ones. If something happens to you, life insurance ensures the life you've built together continues.
Income Protection
A regular income if you're unable to work because of sickness or disability — until you return to work or retire. Also known as permanent health insurance.
Critical Illness Cover
A lump sum if you're diagnosed with a serious illness or long-term disability — so you can keep living the life you love.
Why Insure Through The Home Hub?
One local team, coordinating your insurance, mortgage and legal work in one place.
One Place, One Team
Mortgage, legal, insurance — coordinated end to end so you're covered from the day you get the keys.
Tailored Cover
Policies matched to your circumstances — not a one-size-fits-all quote from a comparison site.
Trusted Insurers
We work with established UK insurance providers with strong reputations for fair claims handling.
Clear Advice
No jargon, no pressure — just honest guidance on the cover that actually fits your life.
Quick Quotes
Give us the details once — we'll search the market and come back with options that actually suit you.
Local Experts
Based in East Kilbride, serving Lanarkshire and Glasgow — talk to a real adviser, not a call centre.
About Our Protection Advice Service
When you're choosing protection for yourself or your family, it's easy to feel overwhelmed by the options. Should you go for the cheapest policy? Why are some more expensive? Are the extra benefits worth it?
This is where our expert protection advisers come in. We'll take the time to understand your situation, search the market, and recommend quality cover that suits your needs and budget. Best of all, our life insurance advice service is entirely fee-free.
Whether you're focused on safeguarding your mortgage, supporting your family's future, or covering income loss, we're here to help. Your dedicated adviser and case manager will even guide you through the paperwork — just let us know if there's anything we can do to make things smoother.
Speak to an AdviserGet more expert advice with our life insurance guides
Life insurance or life assurance?
Two names, two different products. Find out how life insurance and life assurance differ, and which one is likely to suit you best.
Read moreWhat do I need for my life insurance application?
The documents, details and health information insurers typically ask for before they'll quote — so you can get organised in one go.
Read moreSpeak to our expert advisers now
For straightforward, easy-to-understand protection advice for you and your family, call us free on
01355 206860Insurance FAQs
Quick answers to the questions we get asked most often.
What types of insurance do you offer?
We arrange home insurance (buildings and contents), life insurance, income protection and critical illness cover. Whether you need to protect your property, your income or your family, we can find a policy that fits.
How much does home insurance cost?
It depends on the value of your property and contents, your location, the level of cover you choose and any optional extras such as accidental damage. We search the market for competitive quotes so you don't have to.
Do I need life insurance?
If people rely on your income — a partner, children, or anyone you support financially — life insurance gives you peace of mind that they'd be looked after if the worst happened. We'll talk through your circumstances and recommend the right level of cover.
What's the difference between life insurance and critical illness cover?
Life insurance pays out if you die during the policy term. Critical illness cover pays out a lump sum if you're diagnosed with a defined serious illness. Many people take them together so they're covered for both outcomes.
Can I arrange insurance alongside my mortgage?
Yes — and it's one of the biggest benefits of using The Home Hub. We can coordinate your mortgage, protection and home insurance so you're covered from the day you get the keys, with no gaps and no last-minute stress.
How do I make a claim?
You'll claim directly with your insurer, but we're always on hand to help if you're not sure what to do. Give us a call and we'll walk you through the process and point you to the right contact.
The Home Hub is a trading name of Clear Mortgage Solutions Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Clear Mortgage Solutions Limited. Registered Office: Orchard Brae House, Edinburgh, EH4 2HS. Registered in Scotland Number: SC463175.