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Our Policies

Level Term Insurance

Level Term cover is one of the most straightforward types of life insurance available. Level Term means that if you need to make a claim, the sum insured will not vary during the term of the policy.

What Is Level Term Insurance?

Level-term policies are a good option for family protection. Parents often like to leave money behind to ensure their family would maintain the family’s lifestyle if they were to pass away.

This type of policy can also be a good option if you need a specified cover for an interest-only mortgage that is not covered by an endowment policy.

How Does Level Term Cover Work?

A level-term policy will pay out a lump sum of money should you pass away within the term specified when setting up the policy with your advisor.

The amount that you are covered for will remain level throughout the term. The monthly or annual premiums you pay usually stay the same, too.

Whole Of Life Insurance

With Whole Of Live cover, the guaranteed sum insured is paid out in the event of the policyholder passing away.

What Is Whole Of Life Insurance?

Whole Of Life policies do what they say on the tin, they cover you for the whole of your life. This means that there is no term and the policy will cover you indefinitely, as long as you keep up with your premium payments.

Whole Of Life policies are more expensive than Level Term as the chance of payout is obviously much higher.

How Does Whole Of Life Cover work?

Whole Of Life policies are very popular for funeral cover as it gives policy holders peace of mind in knowing that their family will not financially struggle in the event of them passing away.

Whole Of Life Cover is also desirable for those of us who would like cover that has a guaranteed payout, regardless of the age at which we may pass away.

Critical Illness Cover

Critical Illness Cover helps individuals and families to financially cope in the event of being diagnosed with a critical illness.

What Is Critical Illness Cover?

Critical Illness Cover is a form of Life Insurance which pays out a tax-free lump sum in the event of you being diagnosed with a specified illness or medical condition during the term of the policy.

The great benefit of Critical Illness is that it pays out while you are still alive.

How Does Critical Illness Cover Work?

This type of cover allows you to keep up with your lifestyle costs in the event of you becoming seriously ill i.e Cancer, Heart-attack, Stroke.

Many insurers often offer children’s cover at no extra cost, with payout limits usually set to £10,000-£25,000.

Decreasing Life Insurance

Decreasing Life Insurance policies are commonly used to cover repayment mortgages.

What Is Mortgage Life Insurance?

Decreasing Life Insurance policies are usually taken to cover debts which will decrease over time, such as a repayment mortgage. This gives the policyholder peace of mind in knowing that their family home will be secured in the event of them passing away.

How Does Mortgage Life Cover Work?

With a Decreasing Life Insurance policy, the amount that you are covered for decreases over the term of the policy. It is usually for this reason that Decreasing Life Insurance cover is usually cheaper than Level Term Insurance.

Family Income Benefit

Family Income Benefit is an innovative type of life assurance designed to give your dependents a tax free, monthly income in the event of your death.

What Is Family Income Benefit?

Family income benefit is great for those who would like to ensure that their family do not struggle with their living costs in the event of there being one less income in their household due to their passing.

How Does Family Income Benefit Work?

Family Income Benefit is a type of Decreasing Term policy, however instead of paying out a lump sum, this type of cover pays out a regular income to your beneficiaries until the end of the policy term.

Please notice that the descriptions above do not constitute as financial advice and may change dependent on individual circumstances and budgetary requirements.