What we do is arrange Life Assurance & Serious Illness cover for – mortgages, families, individuals, children, inheritence & business partners. We guarantee the most competitive rates and ensure you dont pay more than you should.
Life Assurance Cover – If something suddenly happened to you, the last thing you’d want is for your family to worry about money. We can arrange cover suited to you and your family.
Different Types of Life Cover
There are a number of different types of Life Cover available:
– The amount of cover reduces over the term in line with the reducing balance of your mortgage.
– It runs the same length of time as your mortgage
– Pays off the outstanding balance on your mortgage in the event you die prematurely.
– Provides a lump sum in the event of your death during the term of cover.
– The lump sum paid on death remains the same irrespective of when, during the term, death occurs.
– Option to protect against inflation by annually increasing the lump sum and premiums over the term of your policy.
Income on Death Benefit (sometimes known as Family Income Benefit)
– Provides a monthly income to your dependants on your death.
– The income ceases on the expiry of the term you have selected.
Whole of Life Cover
– Premiums will be paid for a fixed term but cover will continue for your entire lifetime.
– Means a definite payment on your death whenever that occurs.