Life Insurance

If you would like a life insurance quote from us they are free of charge and without obligation. We can help with a variety of life cover requirements, whether it's to protect your family, loan, mortgage or business.

If you wish we can include critical illness and waiver of premium as additional options on your policy.

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Don't forget as all our business is transacted online, via post and telephone to reduce costs.

Please call us free of charge on 0800 634 3326

The two most common types of life cover are "level" and "decreasing" term assurance policies, read further for an explanation of these popular plans.

Level Term Assurance is life insurance that pays out a set amount if you die within the term of the policy. Level Term Assurance is usually used to cover fixed repayment values; for example, an interest only mortgage where the amount you owe remains the same until the end of the mortgage, or to provide a sum to your family to help support them until they can become financially independent without you.

When a term assurance policy expires, it has no value. This means that if you do not die within the term, you will not receive any money back.

If you are unsure which type of insurance is right for you, please contact us for advice.

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Mortgage Decreasing Life Insurance is used to cover a repayment mortgage where the amount you owe reduces as you repay it. The premiums won’t change (guaranteed premium plans only) during the lifetime of the policy but the amount that will be paid when you die will reduce starting from the amount of cover you specify, and ending at zero by the end of the term.

When a Decreasing Term Assurance policy expires, it has no value. This means that if you do not die within the term, you will not receive any money back.

If you are unsure which type of insurance is right for you, please contact us for advice, 0800 634 3326