Life & Mortgage Protection

Protection

Level term life assurance

  • You choose the amount of cover you want and how long you would like the policy to run for.

  • If you die during the policy term your insurer will pay the amount you are covered for.

  • If you set up a joint policy (one policy to cover two people) the amount of cover is paid out on the first death.

  • The policy stops when a claim has been paid. These policies have no cash in value at any time.

  • You can also put your policy in ‘’Trust’’ ensuring that the full benefits of the policy on death / claim will pass to the intended beneficiaries outside of your estate and will be paid quickly without any delays caused through the probate process.

Mortgage protection life assurance

  • You choose the amount of cover you want and how long you would like the policy to run for.

  • The amount of cover reduces each month during the policy term and is calculated to be enough to equal the capital outstanding under a normal repayment mortgage.

  • If you die during the policy term your insurer will pay the calculated amount of cover at that time.

  • If you set up a joint policy (one policy to cover two people) the amount of cover is paid out on the first death.

  • The policy stops when a claim has been paid. These policies have no cash in value at any time.

Level term life assurance with critical illness cover

  • You choose the amount of cover you want and how long you would like the policy to run for.

  • If you die or are diagnosed with an earlier critical illness during the policy term your insurer will pay the amount you are covered for.

  • The types of illnesses covered include Heart Attack, Stroke, Cancer and Multiple Sclerosis (the full list of illnesses covered are detailed by the insurers in their key features document which is available on request).

  • If you set up a joint policy (one policy covering two people) the amount of cover is paid out on the first claim.

  • The policy stops when a claim has been paid. These policies have no cash in value at any time.

Mortgage protection life & critical illness cover

  • You choose the amount of cover you want and how long you would like the policy to run for.

  • The amount of cover reduces each month during the policy term and is calculated to be enough to equal the capital outstanding under a normal repayment mortgage.

  • If you die or are diagnosed with an earlier critical illness during the policy term your insurer will pay the calculated amount of cover at that time.

  • The types of illnesses covered are Heart Attack, Stroke, Cancer, and Multiple Sclerosis (the full list of illnesses covered are detailed by the insurers in their key features document which is available on request).

  • If you set up a joint policy (one policy covering two people) the amount of cover is paid out on the first claim.

  • The policy stops when a claim has been paid. These policies have no cash in value at any time.