Life Insurance - Protecting Swindon's Families and Businesses

Nestled in the heart of Swindon's Old Town professional district, MMB Finance is an independent financial adviser, founded in 1996. Our commitment is to cater to your unique financial needs by offering comprehensive advice across all facets of your finances, including advising you on finding the right life insurance policy to protect your assets and family.

MMB Finance – Your Personal Life Insurance Adviser in Swindon

MMB Finance is Swindon's premier independent life insurance adviser. Whether you are an individual looking to protect your assets and your family, or you represent a business wanting to provide an important perk for your employees' salary package or to protect your financial security, we understand the life insurance market inside out and will give you objective advice to help you find the perfect life insurance policy for your requirements.

At MMB Finance, we believe in building lasting relationships through face-to-face consultations, as in-person meetings help build mutual trust and relationships, which lead to valuable information being shared to find the best insurance policy for you.

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Life Insurance

Life Insurance Services We Provide In Swindon & The Surrounding Area

Life insurance is a fundamental aspect of financial planning, offering peace of mind and security for both individuals and businesses. At MMB Finance, we believe in empowering our clients in Swindon with a thorough understanding of life insurance, enabling them to make informed decisions that best suit their needs and those of their families or businesses. Life insurance is not a one-fit option. There are different types of life insurance policies to suit different needs.
  1. Term Life Insurance - This is the most straightforward type of life insurance. It provides coverage for a specified term, usually ranging from 5 to 30 years. If the policyholder passes away within this term, the beneficiaries receive the death benefit. Term life insurance is often chosen for its affordability and simplicity.
  2. Whole Life Insurance - Unlike term insurance, whole life insurance provides coverage for the policyholder's entire life, as long as premiums are paid. It also includes a savings component, known as cash value, which grows over time and can be borrowed against or withdrawn.
  3. Universal Life Insurance - This is a type of permanent life insurance that offers more flexibility than whole life insurance. Policyholders can adjust their premiums and death benefits within certain limits. Universal life also accumulates cash value, which is interest-sensitive.
  4. Decreasing Term Insurance - Often used for mortgage protection, the cover decreases over the term of the policy, typically in line with a repayment mortgage balance.
  5. Joint Life Insurance - This type of life insurance policy covers two people on a single policy, paying out on the first or second death, depending on the policy terms. It is often used by couples.

What Is Life Insurance?

At its core, life insurance is a contract between an individual and an insurance company. The individual pays regular premiums, and in exchange, the insurance company provides a lump-sum payment, known as a death benefit, to designated beneficiaries upon the insured person's death. This financial safety net helps protect your loved ones from the economic impact of your death, ensuring they can maintain their standard of living, pay off debts, and cover any final expenses.

What Makes MMB Finance's Life Insurance Services Unique In Swindon?

Face-to-Face Service

Another advantage of being independent and our long experience as financial advisers is that we are able to provide you with a full range of financial services, including mortgages, second charge loans, buy-to-let mortgages, life insurance, family protection insurance, buildings and contents insurance, estate planning, will writing and personal finance planning, amongst others.

This means that we are able to advise you on your entire financial position, rather than only specific parts. This could help you save cost, in the long-term, by ensuring you have the right financial services for your circumstances.

No Fees For Life Insurance Advice

We charge no fees* for our Life Insurance advice to you, which means our advice is effectively free!

Most Life Insurance advisers, such as estate agents and other businesses offering Life Insurance usually charge a broker's fee on top of the commission they receive from the lender. You can be assured that you will not be charged such fees by us.

* Please note that the exception to this is where we are dealing with a complex case, when fees will be discussed and agreed in advance.

Local Knowledge & Experience

We tend to concentrate on working locally, within a 40 mile radius of Swindon (Gloucester, Cheltenham, Bristol, Bath, Cirencester, Oxford, Reading) and have strong ties to Swindon and its surrounding regions. Many of our loyal clients have been with us for over 25 years and we regularly review and update their financial plans. Our reputation is strong, as is our customer satisfaction, with many positive reviews from previous clients.

Our local knowledge brings experience of the local market and its trends. This crucial information can make a difference to the advice given to you, as local influences can be very different to national trends. Therefore, our local knowledge is used to make sure you have sound financial advice to give you the financial services which are best for you.

100% Independent Life Insurance Broker

MMB Finance has been a leading independent Life Insurance brokerage in Swindon since 1996 and has over 35 years of industry experience. Being independent means we are not tied to any bank, building society or lender of any type. Consequently, you can be assured that you will always receive objective Life Insurance advice, which is suited to your personal situation.

Furthermore, being an independent Life Insurance broker, we have access to any lender, bank or building society in the UK, which gives you access to the best possible Life Insurance product for your needs.

Full Range of Financial Services

In this age of online communication, all too many financial advisers never actually meet their clients to discuss the best solutions for them. At MMB Finance, we pride ourselves on working on a face-to-face basis wherever possible to discuss your finances in a friendly and relaxed way in your own home or office. Our Life Insurance advice is tailored to your personal circumstances and goals, so it makes sense to meet in-person so that all aspects of your finances are taken into account when advising you on your Life Insurance.

Frequently Asked Questions About Life Insurance