FREE expert help & advice 0800 083 2829

Contact our specialist team for FREE expert help & advice 0800 083 2829

Life Insurance For Dads

Being a parent is all about looking out for your little ones. The Insurance Surgery’s life insurance for dads ensures that you can protect the future of your family.

What Is Life Insurance for Dads?

As a father, protecting your family’s financial security is paramount. Life insurance for fathers allows you to leave behind a lump sum for your family after your untimely passing, making your family’s life that little bit easier following your death. There is a whole range of reasons as to why fathers across the nation take out life insurance. Some reasons include:

Mortgage cover

Replacing lost income

Paying funeral costs

Covering outstanding debts

Paying bills

How Does Life Insurance for Dads Work?

Here at The Insurance Surgery, we are passionate about offering peace of mind to all types of fathers. So it doesn’t matter whether you’re a single dad of three or a married father of a newborn, we can help you find the insurance policy that best suits your circumstances.

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Following a conversation with one of our experts, they will consider your requirements and budget before seeking out the perfect policy for you. There is quite a selection of insurance options to choose from, including:

A term life insurance policy...

Term life insurance policy covers a specified duration, such as 10, 20, or 30 years. Should the insured individual pass away during this period, the policy pays a lump sum to their designated beneficiaries.

Whole-of-Life Insurance

Whole-of-life insurance covers a person’s entire lifespan, provided premiums are consistently paid. It delivers a lump sum to beneficiaries upon the insured’s death.

Critical Illness Cover

On top of life insurance, we can also find critical illness cover to protect your family’s finances with a lump sum should you become unwell and unable to work.

Income Protection Insurance

Income protection insurance can support you if an illness or injury prevents you from working, meaning you don’t have to rely on savings or sick pay.

Mortgage Protection Insurance

Mortgage life insurance will cover your remaining mortgage balance if you pass away or develop a terminal illness, giving loved ones one less thing to worry about.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

How Much Does Life Insurance for Dads Cost?

The cost of life insurance can vary massively from person to person, as there are many unique factors that can affect the quotes you’re offered. These can include:

Your age

Your lifestyle

Your profession

Your chosen policy type

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance for Dads Example 1 Cost

Iman is a 36-year-old dad of three and a freelance photographer. He is looking for £415,000 in life insurance.

We managed to find Iman the following policy:

Cover amount:

£415,000

Monthly cost:

£26.71

Duration of
Policy:

34 Years

Life Insurance for Dads Example 2 Cost

Alistair is a 63-year-old dad of one who already had cover of £150,000, with a premium of £90 a month. He only has £50,000 left on his mortgage, with just under four years remaining. He made the decision to review his policy and save money.

We were able to cut 75% off Alistair’s monthly premiums by updating his current policy:

Cover amount:

£50,000

Monthly cost:

£32.00

Duration of
Policy:

7 years

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

What Are the Different Types of Life Insurance Policies?

How different policies payout over time.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

Price Promise.

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can I buy life insurance for my dad?

It is possible to buy life insurance for a parent if you’re able to prove that you have an insurable interest in him, meaning that you would struggle financially if he were to die.

How much life insurance do dads need?

How much life insurance your dad needs can depend on a whole range of factors. He’ll first need to consider how much of a payout his family would require to meet their financial obligations if he were to die. For example, a father of one may not require nearly as much coverage as one with six children.

Why do dads need life insurance?

Dads may need life insurance in order to protect their family’s financial future if anything were to happen to them. If people are dependent on their income for mortgage payments, covering bills, etc, life insurance can provide families with peace of mind.

Should new dads take out life insurance?

For many people, the beginning of starting a family is the prime time to take out life insurance. So, if you’ve just had a baby, it’s important to do your bit to protect their financial future in case anything were to happen to you. Here at The Insurance Surgery, we can help new dads find the perfect insurance policy to suit their needs.

How Can The Insurance Surgery Help?

At The Insurance Surgery, we’re all about making insurance simple and accessible to everyone. We understand why parents are keen to protect the financial security of their children and have 25 years of experience in providing life insurance for fathers. You can rely on your dedicated advisor to find the best insurance fit for your needs so that you can rest assured that your family is secure should you pass.

Start your life insurance journey today and talk to one of our advisors for free. The people at The Insurance Surgery are keen to help.

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Mums

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

Family

By Policy

Helpful Information

What Are the Most Dangerous Occupations?

Is Income Protection Insurance Worth It?

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

What is Income Protection

Is Income Protection Insurance Worth It?

Life Insurance For Dads

What Is Life Insurance for Dads?

Mortgage cover

Replacing lost income

Paying funeral costs

Covering outstanding debts

Paying bills

How Does Life Insurance for Dads Work?

A term life insurance policy...

Whole-of-Life Insurance

Critical Illness Cover

Income Protection Insurance

Mortgage Protection Insurance

Life Cover Terminology

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

How Much Does Life Insurance for Dads Cost?

Your age

Your lifestyle

Your profession

Your chosen policy type

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance for Dads Example 1 Cost

Cover amount:

£415,000

Monthly cost:

£26.71

Duration of Policy:

34 Years

Life Insurance for Dads Example 2 Cost

Cover amount:

£50,000

Monthly cost:

£32.00

Duration of Policy:

7 years

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

What Are the Different Types of Life Insurance Policies?

How different policies payout over time.

Benefit from Our Life Insurance Policies Today.

Price Promise.

Obtain a cheaper quote elsewhere, we'll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Mums

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Duration of
Policy:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Obtain a cheaper quote elsewhere, we'll beat
the price and also give you a £50 gift card!*

Life Insurance for Sports & Hobbies