Life, Education & Endowment Plans
Plan for the people and milestones that depend on you, with protection and savings-linked options explained clearly.
Cover overview
What this cover can help protect
- A lump sum or income for your dependants if you pass away, depending on the plan
- Savings-linked plans that mature into a payout at a set date or age
- Education-focused plans structured around a child's schooling milestones
- Optional riders such as critical illness cover, where offered by the insurer
This is a general overview. Benefits, limits, conditions and exclusions vary between insurers and policies. We will explain the proposed wording before you decide.
Is it relevant to you?
It may be time to review your options if…
- You've started a family and want dependants protected
- You're planning ahead for a child's education costs
- You want savings alongside protection cover
- You have a policy you haven't reviewed in a while
Our role as your broker
Advice before placement. Support after it.
Needs analysis
We begin with your circumstances, priorities and exposure—not a preselected product.
Market placement
We approach suitable licensed insurers and help you weigh cover, terms and cost.
Documentation
We highlight important limits, exclusions and obligations before you make a decision.
Renewal & claims support
We review changing needs at renewal and remain involved if you need to claim.
Frequently asked questions
What's the difference between life cover and an endowment plan?
Life cover pays out on death; an endowment plan adds savings, paying out at maturity or death, whichever comes first.
How much cover do I need?
It depends on your income, dependants and debts — we work through this with you, not a one-size figure.
Can these plans help fund my child's education?
Some providers offer education-linked plans structured around school milestones — we can explain how.
Do I need a medical exam to apply?
Some plans require it depending on sum insured and age. Please don't include health details in the initial enquiry.
Let’s find out what suitable life cover looks like for you.
Tell us what you need to protect. An adviser will help you understand the available options and the information insurers may require.
Pendulum Insurance Brokers Limited acts as an insurance intermediary and risk adviser. Insurance cover is underwritten and issued by the selected licensed insurer. Cover is not in force until the insurer confirms acceptance.