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Family Protection

With a family life insurance policy, you’ll make monthly payments to an insurer to help protect your family in case anything were to happen to you during the policy duration or term.

If you did pass away during the policy term then the insurer would pay the cover amount you took out – the ‘sum insured’ – to your beneficiary.
This term is usually fixed and will either be a ‘level term’ policy or a ‘decreasing term’ policy.

  • Level term life insurance: the sum insured would be the same amount no matter when you passed away during the policy
  • Decreasing term life insurance: the amount an insurer would pay out decreases over the policy term to reflect how much you would have paid off your long-term financial commitments if you passed away further into the policy period.


It is also possible to take out a Whole of Life insurance policy. This is when the provider offers you cover for your whole life, and pays the sum insured when you pass away. Whole of life insurance is often more expensive than level term and decreasing because it’s guaranteed that a claim will be made.

Life insurance can either be taken out separately as a Single life insurance policy or as a Joint life insurance policy.

Apply online or call 01902 894172

Your Cream adviser will ensure you get the product you need, with the right provider, at a price you can afford.

Get a Quote

Fill in our quote form and an adviser will contact you to arrange an appointment.

Existing Customers

If you have queries about your existing policy please get in touch.

About Cream

Learn more about Cream, our mission and commitment.

Life insurance could be the most important financial product you ever buy.

If you die while you still have dependants, being able to claim on a life insurance policy could be the difference between your loved ones struggling to make ends meet, and their financial security.

Despite this, many of us simply don’t have any life insurance cover in place. Your Cream Financial Services adviser will ensure you get the product you need, with the right provider, at a price you can afford.




Refer a friend

Cream operates a refer and earn scheme and we'll pay up to £150 for each successful Life insurance referral.



Free Will

Cream offers a free Will service worth £130 which is available with every Life policy taken out.

Free Trust
Every Life policy taken out with Cream has the option to have a free trust set up for you if you wish to do so.


Cream Financial Solutions
49 Waterloo Road

Southern Office
Trinity Court
2-4 West Street, Fareham
PO16 0BH

Northern Office
Second Floor
Focus House
1 Central St

Bespoke tailored insurance solutions built around you and your family. Completely free initial consultation. Quality, personal advice.