Pen Life Associates


Find out how to safeguard your family’s future so you can stop worrying and get on with living


British families are risking their family’s future by not having any life cover.

Research shows that the number of families with life cover and other protection plans has fallen to an all-time low.

Research also shows that many individuals think they don’t need the cover and they also over-estimate the cost, can be just a few pounds a week. This obviously leaves their family vulnerable. Yet more than 4 million families admit they couldn’t survive financially for more than six months if they were unable to work. And more than a third have no form of emergency financial provision at all.

This lack of cover – known as the advice gap (the difference between the amount of cover needed to protect against the death of the family’s main earner, and the actual level of cover currently in place) – is estimated at a staggering £2.4 trillion.

Our job is to make sure our clients are protected against unforeseen risks to their family’s finances if the unexpected were to happen. The peace of mind that comes from knowing you’ve got your family covered should the worst happen is priceless.

What Our Clients Say

'I have found my adviser warm, approachable, knowledgeable and accommodating. I know that I can contact her with any enquiries and they will be dealt with promptly and efficiently.'

Mr J Aldis

'If you want to feel totally confident and secure in the knowledge that your personal finances are in expert hands look no further. We know from our own experiences over 35 years Pen-Life are outstanding in all respects.'

Mr & Mrs B Western

'Thank-you for all the advice you gave me just at the right time. Everything is in place and the whole family is financially sound and settled. This couldn't have happened without your very well timed intervention and I can't thank you enough.'

Mrs J Hunsley

'Very happy with the service I have received, I have already recommend PenLife  to friends and family.'

'Everyone I have dealt with have always been really helpful and answered any questions I have had in a timely manner i have already recommended you to friends and colleagues so hopefully they will be in touch many thanks for all your help.'

'Everyone has been so friendly thank you.'

'Already recommend to a friend :)'