Life Insurance

Life Insurance

This is designed to provide cash either as a lump sum or regular payments in the event of your death during the term of your policy. Available as single or joint life policies.

Level term assurance

Level Term Assurance

This is where the amount of life insurance, or sum assured, remains level throughout the term of the policy. If you are taking out life insurance to protect your loved ones in the event of your death you will need to consider level term assurance to ensure that the level of protection remains constant. You will also need level term assurance if you have taken out an interest-only mortgage.

Single or Joint Life

Policies can be taken out on either a single or joint-life basis. Single life insurance affords cover individually, whereas a joint-life plan will normally pay out on the first event only and then the policy ceases.

Click here to Enquire Now

Decreasing term assurance

Decreasing Term Assurance

This type of life insurance is specifically designed to protect a capital repayment mortgage in the event of death and is often known as mortgage protection insurance. The sum assured decreases over the term of the policy roughly in line with your outstanding mortgage debt, although the premium will be determined at the outset and will normally remain the same throughout. Decreasing Term Assurance is usually cheaper than Level Term Assurance and with some insurers you will be able to select the interest rate on which the reducing cover will be based.

Occasionally if you have assigned your policy to a lender, conditions may not automatically allow you to benefit personally but may insist that the sum assured repay the debt.

The premium can be reviewable or guaranteed.

Single or Joint Life

Policies can be taken out on either a single or joint-life basis. Single life insurance affords cover individually, whereas a joint-life plan will normally pay out on the first event only and then the policy ceases.

Click here to Enquire Now

Terminal Illness cover

This is often included in life insurance policies at no extra charge and should not be confused with Critical Illness cover.

This enables the life insured to claim the sum assured before they die. A claim can normally be made if the life insured is suffering from a terminal illness where in the opinion of a consultant physician they are unlikely to survive for more than 12 months.

However, exclusion to this cover is if the terminal illness is diagnosed within the last 18 months of the plan term in which case payment of the sum assured is made on death if before the end of the policy. You must also be resident in the UK or certain other agreed countries at the time.

Click here to Enquire Now

 

Enquiry Form

To get a competitive quote Complete the basic information below. We will search all the major life providers to give you the best deal.

The information collected will be used solely for the purposes of providing background information when contacting you to arrange an appointment. Upon receipt of the enquiry form we shall contact you by telephone to discuss your options.

Select Single or Joint
Single Joint
Client 1
First Name
Surname
Sex
Male Female
Date of Birth
Do you smoke?

Yes No
Type of Insurance required
How long do you need cover for?
How much cover do you need?
Telephone Number
Email address