Life Insurance Specialists for the Channel Islands and Isle of Man

Are you a resident of the Channel Islands or the Isle of Man and in need of life insurance? Look no further! We are a UK-based life insurance brokerage specialising in providing residents of these islands with tailored life insurance solutions. Our intelligent quotation system is designed to help you find the best policy, offering a wide range of options from various providers at discounted premiums. In this article, we will explore the unique aspects of living in the Channel Islands and Isle of Man, and how our services can help you secure the life insurance coverage you need.

I found I’m Insured very helpful in setting up my life insurance especially as I live in jersey Channel Islands, I was struggling to get life insurance in jersey until I spoke to Jon at I’m Insured, and he set it up very smoothly for me. Great service!



Channel Islands Maps


The largest of the Channel Islands, Jersey is home to over 95000 residents.



The Bailiwick of Guernsey consists of the islands of Guernsey, Alderney, Sark, Herm, Jethou and Lihou.

Isle of Man

The Isle of Man is not part of the UK. It is a self-governing British Crown dependency.

Channel Islands Life Insurance

Residents of the Channel Islands, particularly Jersey, often assume that their location limits their choice of life insurance providers. However, this is not the case. Many insurers offer coverage to applicants from Jersey, and our brokerage is here to ensure you don’t have to seek out a specialist local broker or pay more for your protection.

Our services for Channel Islands residents include:

  1. Access to a great choice of insurers covering Jersey and Guernsey residents.
  2. A wide selection of suitable policies, providing the coverage you need.
  3. Discounted prices, guaranteed to be cheaper than going direct.

Our services for Isle of Man residents include:

  1. Guaranteed low prices with discounted premiums.
  2. Expert help in finding the most appropriate policy for your needs.
  3. A great choice of products specifically tailored for Isle of Man residents.
  4. A quick response, saving you time and effort.

Life Insurance Considerations

Regardless of your location, life insurance is an essential part of estate planning. It provides financial compensation upon the death of the insured, easing the burden on surviving dependents. When determining the amount and type of life coverage to purchase, consider factors such as your life expectancy, future generations, and potential financial commitments.

Life insurance is a vital financial tool that provides peace of mind and financial security to you and your loved ones. It is an essential part of responsible financial planning and can make a significant difference in the lives of your family members in the event of your untimely death. In this article, we will explore the numerous benefits and the necessity of having life insurance coverage.

Benefits of Life Insurance

  • Financial Security: One of the primary benefits of life insurance is the financial protection it offers to your dependents in case of your demise. The death benefit provided by a life insurance policy can help cover immediate expenses, such as funeral costs, medical bills, and outstanding debts, as well as long-term financial needs like mortgage payments, education, and living expenses.
  • Income Replacement: If you are the primary breadwinner in your family, your absence can create a significant financial gap. Life insurance can replace your lost income, ensuring your loved ones maintain their standard of living and continue to meet their financial obligations without undue hardship.
  • Estate Planning: Life insurance can be a valuable tool in estate planning, as it provides an immediate source of liquidity to cover estate taxes, debts, and other expenses. This allows your family to retain valuable assets, such as a family home or business, without having to sell them to cover these costs.
  • Wealth Transfer: A life insurance policy can be an effective vehicle for wealth transfer, enabling you to leave a tax-free inheritance to your beneficiaries. In addition, life insurance proceeds can be used to establish a trust or fund charitable donations, ensuring your legacy lives on and supports the causes you care about.
  • Business Continuity: Life insurance can also be beneficial for business owners, providing funds to buy out a deceased partner’s share in the company, cover key employee replacement costs, or facilitate a smooth ownership transition.
  • Tax Benefits: Depending on the type of policy and the jurisdiction, life insurance can offer tax advantages, such as tax-free death benefits and tax-deferred growth of cash value in permanent life insurance policies.

The Necessity of Life Insurance

  • Peace of Mind: Having life insurance in place provides peace of mind, knowing that your loved ones will be financially secure in the event of your death. This assurance allows you to focus on living your life to the fullest, without worrying about the financial well-being of your family.
  • Time-sensitive: The cost of life insurance premiums generally increases with age and can be impacted by health conditions. Acquiring life insurance at a younger age can help you lock in lower premium rates, making it more affordable over the long term.
  • Financial Planning Tool: Life insurance can be a valuable financial planning tool, helping you achieve various financial goals, such as funding your child’s education, paying off a mortgage, or providing a retirement income stream.

Life insurance is not just a luxury; it is a necessity for anyone who has financial dependents. It offers numerous benefits that can provide financial security, peace of mind, and long-term stability for your loved ones. By understanding the importance of life insurance and incorporating it into your financial planning, you can ensure a more secure future for yourself and your family.



At our brokerage, we understand the unique needs of Channel Islands and Isle of Man residents when it comes to life insurance. Our specialized quotation system and expert advice ensure you receive the best coverage options at discounted premiums. Trust us to guide you through the application process and help you secure the life insurance protection you need. Get your quote today!

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Clients’ Reviews

Some of our recent reviews published on Feefo

Feefo 5 star reviews

‘Excellent Service’

I found I’m Insured very helpful in setting up my life insurance especially as I live in jersey Channel Islands, I was struggling to get life insurance in jersey until I spoke to Jon at I’m Insured, and he set it up very smoothly for me. Great service

– Toni

‘Knowledgable and Friendly’

I spoke to Jon at your company and although initially I did not need insurance straight away he kept in touch and layer out all options and prices. He offered a fantastic service and was very knowledgeable on all the products he offered. I would definitely recommend Jon and I’m insured to my friends, family and work colleagues

– Nick

‘Friendly and Efficient’

Excellent response to call. Quickly outlined the possibilities for me, no hard sell or attempt to push a particular product. The on processing the details for the policy was very efficient, no judgement on my responses, but very friendly. I’ve known about this company for a few years but this was the first business I have done with them. I wont hesitate to recommend them and use them again.

– David