Over the past few years many forms of insurance policies have reduced in price, especially life insurance. If you have a life policy which is over 3 years old you may be able to either reduce the premium you are paying or increase the benefit for the same monthly cost. Click on the links below to view our helpful expert advice guides that will let you find out how you can protect either you and your family, your mortgage, or your business.
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| Beginners Guide to Protecting your Future |
| It's a sad fact that whilst most of us are quite happy to insure our car, our house and our travel arrangements to their full value, few of us take quite as much care over our health and loved ones. This guide will assist you in considering your own situation. read more.. |
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| What is Critical Illness Cover? |
| Although critical illness cover is sold by life assurers, there is a big difference when compared with life insurance. Firstly, you don't have to die to benefit from the critical illness insurance policy. This type of cover is designed to pay out a (tax-free) lump sum in the event of you suffering from certain types of serious illness or if you have to undergo certain types of surgery. read more.. |
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| What is Level Term Assurance |
| The name gives it away. Its term assurance, as you only get a payout within the set term e.g. 18 years. Its level, because the payout you get is always fixed. Level term assurance thus guarantees a lump sum payout upon death within a fixed time e.g. £150,000 if you die within the next 18 years. It's the one policy you hope won't pay out. read more.. |
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| What Is Mortgage Life Assurance? |
| Mortgage Life Assurance is designed to pay off the remaining mortgage debt on repayment mortgages if you die within a set period. It ensures your dependents need not worry about repaying the mortgage if you die. read more.. |
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| What Is Whole of Life Assurance? |
| With Whole Life Assurance, for a given premium, a wide range of plans are available. The premium is split between providing for the insurance required now and investing into the insurance company funds in order to subsidise the cost of the cover in later years. read more.. |
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