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Type of Cover
Term insurance is a policy that pays a tax-free lump sum upon the death of the life assured or upon diagnosis of a terminal illness (this is defined as where the life expectancy is less than 12 months), within the term of the policy.
Amount of Cover
The lump sum you want the policy to cover you for. i.e. for a £100000 mortgage the cover required is £100000.
Annual Income Required
Length of Cover
The number of years you want the cover for. i.e. for a 25 year mortgage the cover required is 25 years.
Single or Joint Policy
The policy can either be arranged on one life or on a joint life first death basis. A joint life policy is often cheaper than two single polices however, should a claim be made on a joint life policy the policy will then cease.
Increasing Benefit
Would you like the value of the benefit to increase with inflation?
Critical Illness Cover
Life and Critical Illness is a policy that combines Term life insurance and Critical illness cover and will pay out once for either death of the life assured, upon diagnosis of a terminal illness (this is defined as where the life expectancy is less than 12 months) or diagnosis of a qualifying critical illness, within the term of the policy.
Smoking includes all tobacco products
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Please contact us on the following number for more information or if you have any queries - 01603 271108
