save on your life cover today!
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 ENQUIRY FORM!
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Life Insurance
Life Insurance - Which Policy?
Please select from the 4 options below which best describes the purpose for which you require life insurance. This will allow your enquiry to be placed with a specialist advisor who will find you the most suitable policy and SAVE YOU MONEY!
Mortgage Term Insurance (£10K to £5 million)
- To protect your mortgage or loan in the event of death or critical illness (optional)
- Minimum £10k / 5 years
- Joint or single policies available
Family Protection Insurance (£10K to £5 million)
- To protect your family in the event of death or critical illness (optional)
- Minimum £10k / 5 years
- Joint or single policies available
Mortgage Payment Protection / ASU / Income Protection
- To protect your income or mortgage payments in the event of illness, unemployment or accident
Whole of Life
- To pay funeral expenses or inheritance tax
- For the over 50s only
- From £7 per month
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.