We work with a panel of leading insurers to help you find life and critical illness cover
Why choose us?
- We have more than 37 years’ experience in the insurance sector
- We don’t charge a fee for our service
- We’re independent, impartial and will look for the policy that best suits your needs
- You’ll speak to a dedicated expert through the whole process
What is Life Insurance?
In the UK, life expectancy rates have remained fairly static since 2018, with no significant improvement in health either. Whilst many of us hope to live healthy into our later lives, do you have in place the right measures to ensure if something were to happen, your family would be provided for?
Life Insurance pays out a tax-free cash lump sum should you pass away, providing you with the peace of mind that your family would be financially secure should the worst happen. Life insurance can align with outstanding debt (i.e. a mortgage) or a lump sum-payout. There’s also the option of adding on critical illness cover for an additional premium should you suffer a serious illness.
Level Term Life Insurance
One of the most popular life insurance policy types is level term insurance. These policies will offer you protection in the event that you die with a certain set period. The amount paid out will not change over the course of the policy term.
Decreasing Term Life Insurance
A decreasing term insurance is a renewable term life insurance with coverage decreasing over the life of the policy at a predetermined rate. Premiums are usually constant throughout the contract and reductions in coverage typically occur monthly or annually.
Indexed-Linked Term Assurance
The value of the Sum Assured is linked to increases in an index – usually the Retail Prices Index (RPI). The premium for this kind of policy will usually increase at a set amount.
Renewable Term Assurance
Is level term assurance but gives you the opportunity to continue your policy regardless of your state of health at the point of renewal.
Joint Life Insurance
A joint policy can be take out by a couple – whereby they’re both covered with life insurance under the same terms. There will be one payment to make each month, which can often be cheaper than taking out two individual policies.
Single Life Insurance
A single life insurance policy covers one person only and pays out the chosen amount of cover if that person dies during the length of the policy. If a couple holds two single policies and one partner dies, then the surviving partner still has their own policy.
Critical Illness Cover
Critical illness cover is a type of insurance that pays out a tax-free lump sum if you’re diagnosed with a specific medical condition or illness listed in your policy.
Income protection insurance (sometimes known as permanent health insurance) is a long-term insurance policy designed to help you if you can’t work because you’re ill or injured. It ensures you continue to receive income until you retire or are able to return to work.
Contact us on the below form to find out more.
If your insurance package is coming up for renewal, see if we can beat it for price and value.
We’ll personally help take you through all the medical questions necessary to get your cover in place and with our expert support, we’ll answer any questions you may have.