LIVE FOR TODAY,

PLAN FOR TOMORROW!

If the unexpected happened tomorrow, would your family be financially secure?

We insure our cars, our homes, even our phones. But what about the people who rely on us the most? Life is unpredictable, and while we can’t control everything, we can take steps to protect those we love.

At That’s Life, we believe financial protection isn’t about policies and paperwork — it’s about peace of mind. It’s about knowing that, no matter what tomorrow brings, the people you care about will be looked after.

About Us

That’s Life is a family protection specialist company, created by parents for parents. We understand the pressures families face — balancing the here and now with planning for the future. Our mission is to help families across the UK put strong, practical safeguards in place so they can focus on enjoying life today, knowing tomorrow is secure.

We know the financial world can be confusing, with jargon, complicated options, and endless fine print. That’s why we break everything down into plain, clear language. We highlight the blind spots you might not have considered, explain your options without pressure, and put a plan in place that’s realistic, affordable, and tailored to your family.

Our service is designed to be straightforward and stress-free:

We meet you however works best for you — video call, phone call, or in-person where possible.
We take the hassle away — managing the forms, chasing providers, and comparing the market for you.
We work around your life — no jargon, no pushy sales, just solutions that make sense for your situation.

Why Families Choose Us...

We believe in relationships, not transactions. Many of our clients come to us because they want someone who understands family life, who will take the time to listen, and who will be there if their circumstances change in the future.

When you choose That’s Life, you’re not just buying a policy — you’re gaining a long-term partner who will help keep your protection plan up to date as your family grows and your needs change.

No confusing jargon – we explain everything in simple terms.
No endless form-filling – we manage the paperwork for you.
No chasing providers – we do the follow-ups so you don’t have to.
No one-size-fits-all plans – we tailor everything to your life and budget.

Our Insurance Services

We help you get your financial ducks in a row; we do the leg work and take away the pain points from you. We don’t sell products over the phone via telesales and sleazy sales tactics, we will hold your hand and build your wall around you & your family.

If you are a singleton or don’t have kids, don’t worry we have got your back too and can tailor advice to suit your needs.

Life Insurance

A tax-free lump sum for your loved ones if you pass away during the policy term. This can be used to cover the mortgage, household bills, education costs, or simply to give your family the breathing space to adjust without financial worry.

Critical Illness Cover

Pays a lump sum if you are diagnosed with a serious illness covered by the policy. It’s there to give you the freedom to focus on your recovery without the added stress of money worries — whether that’s covering treatment costs, taking time off work, or making home adjustments.

Income Protection

Provides you with a safety net if illness or injury stops you from working. It’s designed to pay you a regular monthly income so you can continue to cover essential outgoings such as mortgage or rent, bills, and everyday living costs.

Mortgage Protection

Designed to clear your mortgage in full if the worst happens, ensuring your family can remain in the home you’ve worked hard to build together.

Trusts

Placing your policy in trust means the payout goes directly to the people you want to benefit, without delays from probate. This can speed up access to funds at a time when your loved ones need them most.

Family Income Benefit

Instead of a one-off lump sum, this cover pays a regular monthly income to your family if you pass away during the policy term. This makes it easier for them to budget and keep up with everyday living costs without disruption.

Through our trusted network of qualified professionals, we can also connect you with:

Mortgage Advice – For first-time buyers, remortgages, or buy-to-let investments.

Pension & Investment Specialists – To help you plan for a secure and comfortable future.

Will Writing & Estate Planning – To make sure your wishes are clearly documented and legally protected.

We only work with advisers and specialists we know and trust, so you can feel confident you’re in good hands.

The Process - How It Works

1. Initial Chat

We’ll have an informal conversation to understand your situation, your family, and your priorities.

2. Review & Recommend

We research the market and present you with the best options in plain English.

3. Put It In Place

We handle the applications, paperwork, and provider communications.

4. Ongoing Support

We are still here for you once your plan is in place if you need adjustments in the future, or just some reassurance; we will always have your back.

Ready For Peace Of Mind?

Frequently Asked Questions

Do you charge adviser fees?

No. We never charge clients any advice fees.

Do you load premiums?

No, never. Some firms in the industry do, but we believe it’s unfair. You always get the insurer’s true premium with us.

How do you get paid?

We are paid commission directly from the insurance provider. This does not affect the premium you pay.

Can you replace my existing policy?

Yes, but only if it is suitable and in your best interest. We’ll only recommend replacing a policy when it provides clear benefits.

Are you whole-of-market?

Yes. We search across the whole market to find the most suitable protection for you.

Are you FCA registered?

Yes. We are fully authorised and regulated by the Financial Conduct Authority (FCA). You can find our details in the footer of this website.

Quick Links

Contact Us

That’s Life is a trading style of RB AME Ltd an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. RB AME Ltd is registered in England and Wales no: 12147707. Registered Address: The Retreat, 406 Roding Lane South, Woodford Green, Essex IG8 8EY. Our FCA number is 1038043.

Trust , Wills and Estate Planning are not regulated by the Financial Conduct Authority.

Mortgage Advice, Pension, Investment Specialists, Will Writing & Estate Planning are referred to third party providers.

RB Ame Ltd and The Right Mortgage Ltd are not responsible for any advice received from the third-party providers. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.