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TERM
LIFE ASSURANCE PRODUCTS
INSURANCE DEFINITIONS -
MORTGAGE PROTECTION - CRITICAL
ILLNESS
LONG TERM INCOME PROTECTION - TERM
LIFE ASSURANCE
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CLICK HERE FOR A LIFE ASSURANCE QUOTATION
Unlike many things today the cost of term life assurance, Mortgage Life Protection and Critical Illness Protection has fallen in recent years.
The competitive nature of these products has meant that many life offices have actually reduced their rates for this type of cover.
Our Discount Policy
We share
our commission with you the customer. We do this by sacrificing a substantial
percentage of our commission, which will reduce your premiums throughout
the term of the policy. Because of this commission sacrifice we believe
that we offer the most competitive quotations in the U.K.
Some product providers do not have a facility for us to rebate commission
to reduce your premiums. We will only use these providers where they can
offer the most competitive quotation.
Our Aim
Is to provide competitively priced quality products and
a first class service.
If you have an existing policy that you have been paying for a number
of years, or if you are considering taking out a new policy to cover your
mortgage, business loan, partnership or a policy for the security of your
family.
We believe we can provide you with the most competitive quotation available.
Level Term Life Assurance - Summary of Cover
You decide on a sum insured and a term of years
from the outset.
The sum insured remains constant throughout the term.
The plan has no investment content.
If you die during the specified term then the sum insured is paid out.
Can be set up as a single life plan, insuring one life for a predetermined
sum insured and term.
May also be set up as a Joint life first death plan where the sum insured
is payable on the first death.
Critical
Illness benefit can be added to most plans where the benefit is paid on
either death or a critical illness whichever should occur first.
Terminal Illness benefit is normally payable on most policies during the
term of the policy, this usually excludes the last 18 months of the policy
term.
As soon as the sum insured is
paid out the plan ceases. ｷ If you survive the term and the sum insured
has not become payable then the plan ceases and nothing is paid out.
In most cases these Products are non-Regulated.
However should your chosen Product fall into a regulated category we will
advise you accordingly. This is an overview of protection products. With
your application pack we will provide a Written Quotation, the Individual
Company's Key Features and Full Product Details.
LIFE
ASSURANCE QUOTATION REQUEST
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