Life Assurance
Life Assurance can help you keep your home, and also protect your lifestyle. Whether you want to simply pay off your mortgage, receive a lump sum or provide a replacement income, we can help you find a combination to suit your family's needs and budget.
Level Term Assurance
Level Term Assurance will provide a guaranteed sum assured in the event of your death or you becoming eligible for terminal illness benefit during the term of the plan. The amount of life cover remains the same throughout the fixed term of your plan. Often terminal illness cover is built into your plan at no extra cost.
Decreasing Term Assurance
Decreasing Term Assurance will provide a guaranteed sum assured in the event of your death or you becoming eligible for terminal illness benefit during the term of the plan. The amount of life cover will reduce over the fixed term broadly in line with the amount you owe on your mortgage. The cost of this cover is usually cheaper than level life cover.
Whatever policy you choose, you should always consider putting your policy in trust. For couples we may recommend single life policies over joint as this can represent better value for money. This will be subject to medical underwriting and your circumstances.
