Life Insurance

Term Assurance
Assurance/Insurance?
Mortgage Protection (Lump Sum)
Family Protection (Lump Sum)
Accident, Sickness, Unemployment
Mortgage Payment Protection
Loan Payment Protection
Income Protection
Critical Illness
Decreasing Term Assurance
Level Term Assurance
Whole of Life
Inheritance Tax

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.

save on 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! FREE NO OBLIGATION QUOTE! Just complete our short form below.

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Julie, Brighton

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John, Surrey

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“The whole process was so quick from filling in my details to the adviser calling me. I'm looking to complete on my remortgage next week.”

Peter, Nottingham

Decreasing Term Assurance

You would normally take out a Decreasing Term life insurance policy to protect a Repayment Mortgage. As you are repaying the capital owed on the mortgage or loan over time the amount of life cover you need decreases with it. A Decreasing Term policy is therefore cheaper than a Level Term policy.

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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