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1st Financial Services ltd1st Financial Services ltd1st Financial Services ltd
Phone: 01293202970
United Kingdom

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A life insurance plan helps protect your loved ones financially if the worst were to happen or you get ill.

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Welcome to 1st Financial Services ltd

At 1st Financial Services ltd, we find insurance products outside the norm. Whether you’re looking to protect your family from the financial worries that come with death, illness or job loss we can find the right policy for you.

Life Insurance

A life insurance plan helps protect your loved ones financially if the worst were to happen or you get ill.

Critical Illness Cover

Critical illness cover is a specific insurance policy designed to issue a tax-free payout in the event of a serious illness or injury.

Income Protection

Income protection covers you if you can’t work and earn an income due to a serious illness or injury.

Expat Life Insurance

For someone who is residing in a country that isn’t their native one, whether it’s for work or personal reasons.
Why Choose us?

Why 1st Financial Services ltd

Many consumers are currently in a vulnerable position because of the coronavirus (Covid-19) pandemic. We expect insurers, given the unprecedented impact of coronavirus​​​​​, to be aware of the circumstances that their customers find themselves in. We are Best Life and health Insurance UK based company providing insurance of life, health insurance income protection and critical health insurance.

Cheapest Price Guarantee

1st Financial Services Ltd will give you the best price in the country.


Authorised by the FCA to provide personalised protection advice.

Personalized Service

Dedicated relationship manager to look after you throughout the life of the policy.

Claims Handling

Dedicated service if you ever need to make a claim.

Expert Knowledge

We understand the subtle differences matching you with the perfect policy.

Range of Insurers

We work with a panel of top insurers to find you the best deal available from each.

Some Insurers We Work With

You can learn more from our asked questions

How long you need life insurance cover for depends on your age, your mortgage commitments and how much you’re willing to pay in premiums. Some policies will offer whole of life cover, which insures you until you die.

Others will cover you for a set term. Mortgage life insurance, for example, will usually only cover you for the length of your mortgage.

In the end, it depends on your personal circumstances. Try our life insurance calculator below for a better idea of how long you'll need cover for.
Figuring out how much cover you need depends on what you want your pay-out to do.

Do you need your pay-out to cover your mortgage? How much would your loved ones need to live on after you’re gone? Do you have debts that need clearing?

For a real idea of how much cover to get, see our guide on how much life insurance do I need.
Life insurance and life assurance are both policies that pay out if you die during the cover term. The main difference is that life assurance, also called whole of life cover, covers you from the day you take out a policy until the day you die. Life insurance usually only covers you for a set period – say 25 years.

There’s benefits to each. Try our guide for a deeper look at how life insurance works.
If you have a pre-existing medical condition like diabetes, getting life insurance may be more difficult – but it’s not impossible. Most insurers will still cover you, but you may have to pay more in premiums.

Some conditions are excluded, such as terminal cancer and other high-risk illnesses, but cover varies from provider to provider.

Use our get a quote process to compare quotes and see if you’re eligible. Or check out our guide to see how your medical history can affect your premiums.
In most cases, yes. But it’s not a decision that should be taken lightly, and could spike your premiums if you decide take out any future policies further down the line.

For tips on how to cancel your life insurance policy, and the things to look out for, see our guide.
There’s no minimum age for being covered by life insurance. If you’ are under 18, however, a parent or legal guardian will need to take out the cover on your behalf.

Most people take out life insurance when they start a family or buy a house. According to our data, the average age for taking out a policy is 39**. This makes sense, as life insurance is particularly useful if you want to ensure your dependents are financially protected if you pass away.

You should be able to find life insurance to cover you up until your 90s, so age isn't the only determining factor in a life policy. But the earlier you get it, the cheaper your premiums are likely to be.

As with most things, it depends on your personal circumstances. But if you have dependents that rely on your income, taking out a life insurance policy as soon as possible may be your best option.

**(Based on data from September 2019, the average age for a person taking out a level term assurance policy is 38.6.)

Get a free Quote here

Please Feel Free To Contact Us. We Will Get Back To You With 1-2 Business Days.

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Melbourne, Australia
(Sat - Thursday)
(10am - 05 pm)
Melbourne, Australia
(Sat - Thursday)
(10am - 05 pm)
Melbourne, Australia
(Sat - Thursday)
(10am - 05 pm)
Melbourne, Australia
(Sat - Thursday)
(10am - 05 pm)

A Special Announcement for Our Customers

1st Financial Services ltd believes in the safety of our customers. Our work process is dedicated to maintaining a clean and worry-free atmosphere for our customers and employees. 1st Financial Services ltd employees wash their hands often while wearing a mask and protective gear while in your commercial space. All used materials are disposed of properly to ensure the safety of our employees. If an employee feels sick, they stay home.