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Family Income Benefit Insurance offers financial protection if you pass away during the policy term. Payments to your family are interest-free.
Similar to traditional life insurance, you can choose the term length, with longer terms resulting in higher monthly premiums. If you pass away near the term’s end, your family receives fewer payments, matching the remaining years.
The cost of your policy depends on factors such as term length, lifestyle, age, and medical history. Your insurance advisor in Durham will provide personalized cost details and guidance. For more information and tailored protection and mortgage advisor in Durham, speak to a mortgage advisor in Durham.
If you’re concerned about providing financial support for your family after your passing, Family Income Benefit Insurance may be the ideal solution. This policy is particularly valuable for families with young children, offering them a steady income stream in the event of your demise.
One significant advantage of Family Income Benefit Insurance is its potential for more affordable premiums when compared to traditional Life Insurance policies. Additionally, individuals can choose to bundle Critical Illness Insurance with their Family Income Benefit coverage, often resulting in cost savings compared to purchasing them separately.
As a mortgage broker in Durham we are dedicated to helping you identify the perfect insurance policy tailored to your unique financial situation. If you’re considering multiple insurance policies, you can explore the option of a menu plan, which combines various coverage types for comprehensive protection.
Feel free to reach out to our experts for guidance and to explore the best insurance options for your family’s financial security.
Family Income Benefit (FIB) in Durham, is not typically paid out as a lump sum. It is designed to provide regular, tax-free income to your family or beneficiaries if you pass away during the policy term. This regular income is meant to help replace the lost income and support your family’s financial needs over the duration of the policy term. FIB ensures that your loved ones receive a consistent stream of financial support rather than a one-time lump sum payment.
For insurance business we offer products from a range of insurers.
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Alex Campbell
Amazing help from these guys, we are first time buyers and Warren was our dedicated Morgate advisor and he made the whole process seem easy and straightforward, he went above and beyond to help me and my partner and explained it all in great detail, best of all he was very down to earth and gave it to us strait. Would 100% recommend
15 Jul 2026
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
Discuss with a dedicated protection advisor about possible relevant insurances you would like to take or that we can suggest to you.
Your protection advisor in Durham will run through you health background with you, gathering some initial information.
We will build a tailored plan surrounding your current personal and financial circumstances, meeting your available monthly budget.
Our team can search through 1000s of insurance products to find the most suitable one, to protect you and your family.
Once we have found the appropriate product for you and you are happy to proceed, we will submit your application to the provider.
From time to time, the policy provider may come back to us for further information, before they will look at accepting the application.
If you took out your mortgage with us too, we will be back in touch with you at remortgage time. We will also take this time to review any policies you have in place.
Circumstances change and the policies you took out at the start of your mortgage, may no longer be suitable for you at remortgage time.
Pick your own date and time and book online!
Providing expert protection advice in Durham7 day a week, to take appointments early in the morning, late in the evening or at the weekend. Alternatively, give us a call and we can refer you to one of our most suitable mortgage advisor in Durham for your situation.
We will search through 1000s of insurance products in order to find the most sitable one that suits your personal and financial situation.
In Durham, we have been helping customers for over 20 years. We have found 1000s of happy customers Family Income Benefit insurance products.
Customer care is at the heart of our company, take a look at some of our fantastic reviews on our reviews page to find out more about our service.
Our team will also go through the policies terms and conditions with you and make sure that you are happy with how it works and when it pays out. They will also look at your term with you and help you decide the length of the policy.
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Durhammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Durhammoneyman 2009–2026
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Durhammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Durhammoneyman 2009–2026
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