Life Insurance

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Life Insurance

If you have a family and/or a mortgage, life insurance can give you peace of mind that they will be looked after in the tragic event of your death. None of us like to think about it, but understanding how this type of insurance works could save you money.

The options

You should first look at term insurance. This temporary form of life insurance is offered by most insurance companies, a number of friendly societies and other financial providers.

It's based on a simple concept - the insurer guarantees to pay the policy benefits if you die within a given time. If you survive to the end of the policy's term, no benefit will be paid.

The term of the policy depends upon you and may be anything from a few years to several decades but it should coincide with your need for protection. Policies may be written on your life or on the life of yourself and your partner. Term insurance is the least expensive form of life cover. Be aware that premiums for men tend to be higher because on average they do not live as long as women. Premiums for smokers are more expensive.

whole of life cover?

Our specialists have access to the every life insurance policy available and are not tied to one particular company and could save you ££££s every month!

Testimonials

Whole of Life

Whole of Life Insurance is available to the over 50s only.

As these policies are for 'whole of life' they are guaranteed to pay out on death. The main reason for these policies is to offer peace of mind for our children (or next of kin) in respect of funeral expenses although in some cases where the value of an estate is exceptionally high this may be used to help cover inheritance tax liability.

Planning for our own funeral is not something any of us like to consider but by taking the time and consideration we can make what will be a traumatic time for our familes that little less painful. Worrying about how to pay the funeral expenses is a legacy none of us wish to burden our families with.

There are not many companies that offer these policies, but one of two of those that do are quite high profile through television advertising and the use of familiar celebrity faces. We can put you in direct contact with these companies.

As you have had the foresight to consider this eventuality when did you last update your will? When you complete our FREE NO OBLIGATION form please tick the box if you would like to have your will updated due to your changed circumstances.

Always get independent advice on these products!

To speak to an independent FSA (Financial Services Authority) regulated mortgage advisor now complete our no obligation enquiry form below. This service is completely free and your personal broker is under obligation to give you 'best advice' depending on your circumstances and requirements. Your personal independent broker may suggest other products to you that you may be unaware of.

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