Protect the people who depend on you
Life insurance and critical illness cover provide a financial safety net if the worst happens. Whether you need to protect your mortgage, replace your income or provide for your family, we help you find the right level of cover at a price that works — without the jargon or pressure selling.
Who needs life insurance?
Families & Homeowners
Protect your mortgage and ensure your family can maintain their lifestyle if you're no longer there to provide. Life insurance offers peace of mind that your dependants are financially secure.
Business Owners & Directors
Keyman insurance protects your business from the financial impact of losing a key member. Critical illness cover ensures you can maintain operations during recovery or plan succession.
Professionals & High Earners
High-value individuals benefit from tax-efficient life and critical illness arrangements. Relevant life cover and pension-based solutions offer sophisticated protection aligned with your wealth.
Types of cover we offer
Term Life Insurance
Affordable protection for a fixed period. Covers a specified amount if you pass away, with premiums typically decreasing over the term.
Critical Illness Cover
Pays a lump sum if you're diagnosed with a serious illness such as cancer, heart attack or stroke. Complements life insurance perfectly.
Income Protection
Replaces a portion of your income if you're unable to work due to illness or injury. Ensures your bills and mortgage are covered during recovery.
Whole of Life
Permanent protection that covers you for the whole of your life. Guaranteed payout to your beneficiaries whenever you pass away.
Keyman Insurance
Business protection that pays a benefit to your company if a key person passes away or becomes critically ill, safeguarding operations.
Relevant Life Cover
Tax-efficient company life insurance set up outside your business structure. Death benefits pass to beneficiaries free of inheritance tax.
Why choose Forum?
Whole-Market Advice
We compare over 35 years' worth of experience from the market's leading providers to find your optimal cover and price.
Tax-Efficient Structures
Our team understands inheritance tax planning, pension-based solutions and business protection. We arrange cover that's genuinely efficient for your circumstances.
Medical Underwriting Expertise
Pre-existing health conditions needn't mean unaffordable premiums. We place complex medical cases with specialist underwriters regularly.
Claims Support
If the worst happens, we guide your family through the claims process. Our personal support makes a real difference during a difficult time.
Frequently asked questions
What's the difference between life insurance and critical illness cover? ▼
Life insurance pays a benefit to your beneficiaries when you pass away. Critical illness cover pays a benefit if you're diagnosed with a serious illness, such as cancer, heart attack or stroke — while you're still alive, so you can focus on recovery. Many people choose both to provide comprehensive protection.
How much life insurance cover do I need? ▼
The amount depends on your circumstances. A useful starting point is your mortgage balance plus 5–10 years' income to replace the earnings your family has lost. If you have dependants, consider their education costs and living expenses until they're independent. We'll discuss your specific needs during a consultation.
What is keyman insurance and why do I need it? ▼
Keyman insurance protects your business against the financial impact of losing a key person. It pays a benefit directly to your company if that person passes away or becomes critically ill. The money can cover recruitment, training, lost income during transition or strategic investments to maintain operations.
What is relevant life cover and how is it taxed? ▼
Relevant life cover is company-owned life insurance set up outside your business structure. Premiums are paid by the company (a deductible expense), and death benefits pass to your beneficiaries free of inheritance tax. It's a tax-efficient way to provide protection while managing business tax liability.
How much does protection insurance cost? ▼
Costs depend on your age, health, the cover type, the sum assured and how long you want protection for. Life insurance is typically very affordable for younger, healthier people — often only a few pounds per month. We'll provide a personalised quote after discussing your needs and circumstances.
Client testimonials
What our clients say
"Forum made the whole process straightforward. They explained everything clearly and found us a better deal than I expected. Excellent service."
"As a business owner, I needed tax-efficient protection. Their expertise in relevant life cover saved us thousands. Highly recommended."
"The team handled a complex medical case with professionalism and sensitivity. We got the cover we needed at an affordable price."
Ready to protect your future?
Speak to one of our protection specialists about your needs. We'll arrange a quote tailored to your circumstances — no obligation.
Call 0208 909 2899Monday–Friday, 09:00–17:00