Kestrel Get a quote

Insurance that answers on the first call.

Life, health and home cover in one policy pack, with a named adviser who handles the claim for you.

A family outside their home

Underwriting partners

MHMarsh Halliday OMOrdnance Mutual Trelawney BHBower VVance & Co

What we cover

Three policies, written in plain English.

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19,480

Policies in force across the book

97.4%

Claims approved in the last four years

11 days

Median time from claim to payment

Sample figures for this prototype. Replace with audited numbers before launch.

Making a claim takes four steps.

Your adviser opens the file the day you call and stays on it until the money lands.

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Estimate

Price it yourself in ten seconds.

Move the three sliders. The figure updates as you go, and no one calls you unless you ask.

Indicative monthly premium

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Get a quote

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Paid as a single lump sum to the people you name.

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Most people match this to the years left on their mortgage.

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Have you smoked in the last 12 months?

“I called on a Tuesday and spoke to the same adviser every time after that. The payment cleared before the funeral bill arrived.”
Priya Raghunathan

Priya RaghunathanLife cover holder, Sheffield

Writing

All articles
Two people reading paperwork at a kitchen table

14 Feb 2026   6 min

How much life cover a household with a mortgage actually needs

A worked example on a £280,000 mortgage, two incomes and one child at nursery.

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Twenty minutes with an adviser, then a policy you can read.

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