Life Insurance

Do you want your family to feel safe, protected and reassured for the future, should anything happen to you?

A life insurance policy is a contract with you and an insurance company that provides a lump-sum payment to your dependents on your death.

Our Quick Guide To Life insurance

You may not need life assurance. If you don’t have any dependants, it’s highly likely you do not need cover? You will probably still need other forms of insurance though, to protect yourself against falling ill and losing your income. Cover such as Critical Illness, Income Protection or Unemployment cover.

However, if you have a partner or children who would be financially worse off if you were to die, you should have a policy to give them financial support.

Life Insurance is the type of policy that needs to be right. It simply has to pay out. That’s why you need to make sure you get the right policy for you.

We’re dedicated to helping you make the right life insurance choices. Not the best choice for us, or the most expensive – simply the best choice for you and your unique circumstances.

When To Review Your Life Insurance

Firstly, in recent years the cost of life insurance has fallen. If you already have some life insurance and may like to look into if you are paying too much on your premiums.

Secondly, if your circumstances have changed since you arranged your current policy. You made need help making sure your policy is still appropriate to you in terms of cover and what is covered in the terms.

We’re dedicated to helping you make the right life insurance choices. Not the best choice for us, or the most expensive – simply the best choice for you and your unique circumstances.

Term Life Insurance

Also referred to as simply life Insurance or Term Insurance provides protection for a set term of years. This form of life insurance is often linked to a mortgage to ensure that the outstanding mortgage is settled in the event of one of the parties death during the term.

Level Term Assurance

Most commonly used when you require the amount of life insurance cover to stay the same throughout the entire term. For example to cover interest only mortgages or to protect the family should a spouse / partner die when the children are still dependant upon their parents.

Increasing Term Assurance

Often known as Indexed Term Assurance is used when the sum assured needs to increase over time to take account of inflation.  This is often a better solution for Family Protection needs.

Family Income Benefit

Rather than providing a lump sum on the death of a spouse or partner the policy will pay out a monthly income to help replace the income to the household that has been lost.