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!

Testimonials

“Thank your team for a truly excellent, top class service over a remortgage just completed especially Simply Finance who were very efficient.They will be highly recommended as far as I am concerned, in the future.”

Rosalind, Chesham

“When I visited your website I was desperate as my finances were in a real mess. You recommended us to a mortgage adviser and through their help and patience secured a mortgage for me through a building society who were sympathetic to my needs.

“For the first time in over four years I was able to sleep at night and thank you so much for helping me out. I have recommended you to all my friends and family.”

Robert, Crawley

“Thanks for an outstanding and efficient job. You guys are head and shoulders above all other websites I visited and the follow up from the mortgage advisers was prompt and efficient. You can be assured that I refer you to my friends as well as my clients.”

Julie, Brighton

“I thought that I would never be able to qualify for a mortgage after my bankruptcy. You are truly miracle workers.”

John, Surrey

“I was referred to RemortgageMe by a relative. It was at a time I needed real help in getting my financial situation in control.

“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

Level Term Assurance

A Level Term life insurance policy is one where the benefit on death remains constant throughout the lifetime of the policy as opposed to a Decreasing Term policy whereby the benefit decreases over time. You would normally take out Level Term policy for Family Protection or for covering an Interest Only mortgage.

A Decreasing Term policy would be suitable for a Repayment Mortgage where you are insuring against a decreasing sum (ie the mortgage reduces over time with a repayment mortgage).

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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