Doom & Gloom like to look on the bright side of life (and death), we are a lead generation service connecting you with trusted providers of life insurance and other end of life documents and services. Life insurance is always so serious, depressing and boring, and it doesn’t have to be! We’re based in Bristol in the UK and started in 2019 and work with trusted partners who bring you tailored insurance quotes. Fill in our form and we’ll give you an overview of the best offers and create the perfect life insurance policy for you. It only takes a few minutes!

Life insurance helps to protect your loved ones in the event of your death. If you die, or are diagnosed with a terminal illness with a life expectancy of less than 12 months, they will be paid a cash sum which could help pay their mortgage or living expenses. You decide on the amount of cover you need and how long you need it for, and you can pay it monthly or annually.

This depends on your individual circumstances. It’s a great way to provide peace of mind if you have children or partners who depend on you financially, as it makes sure they’re looked after if you pass away. It’s important to protect your assets, whether you’re a small business owner, startup founder, parent or homeowner.

This depends on your situation. For example, a couple who have bought their first house together might want a policy to just pay off the mortgage if one of them dies, but a couple with a larger mortgage and 2 kids might want the amount to cover the cost of raising children too.

We provide life insurance but can also arrange life assurance if that’s what you’re looking for. We can arrange whatever you need, so get in touch to chat about your options. The main difference between life insurance and assurance is that life insurance has a fixed term, and it will pay out a tax-free lump sum if you die during the term of your policy (let’s look at the positives here), whereas life assurance covers you for your whole life.

Yep! This is one of the best ways to protect your family’s future if you pass away. A trust is a straight forward legal arrangement which lets you leave assets to whoever you like. It is managed by one or more trustees (family, friends, a legal professional) until it pays out to your beneficiaries. This might happen when you die or on a particular date (for example when a child turns 18). Doing this can protect your beneficiaries from Inheritance Tax, as money paid out from your policy shouldn’t be considered part of your estate, and other benefits include having control over your assets and faster access to your money.

Yes of course, at any time (but we’re brilliant so you won’t want to do that!). You’ll have 30 days to cancel after applying for the policy if you decide you don’t want to continue, and we’ll return any payments made. After 30 days, you won’t get any payments back.

If you stop paying your premiums for any reason, your policy will expire and you won’t be covered. We like to give you a grace period of 7 days though, so if your direct debit is cancelled by mistake or you change your bank details don’t worry, your cover won’t stop straight away. Someone from the team will get in touch for your new details and your policy will remain in place.

The maximum payout is £350k. This might increase in the future so get in touch if you’d like to chat about this. If someone else in your family would like to take out a Doom & Gloom life insurance plan too, you could increase your family’s total payout…

Yes it is. Regardless of the insurer you choose, your cover is protected by the government’s compensation scheme.

We work with Kinherit, who create bespoke wills. Their wills include asset protection and excellent handover planning to protect your family.

We also work with Futures Protected Ltd., specialists in family and business insurance. They shape your cover to fit your budget and circumstances.

You provide your initial details to the company and then speak to a specialist about options for your will. This is then drafted and when you are happy with the final version, it is sent for you to sign. Everyone involved in your End-of-Life plan is informed and they can ask any questions they may have.

Your will lets you set out your wishes for what you’d like to happen when you die. You need to make a list of your accounts and property and then decide how you would like to share out your estate. You also need to choose executors of your will - the people responsible for making sure your wishes are carried out after you die.