Life insurance

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Life Insurance

Why choose us for your life insurance?

Our advantage – we will advise and tailor each insurance policy exactly to your needs – this prevents you paying for excess cover. Once we have agreed on the right type of policy with you, WE SEARCH THE ENTIRE UK INSURANCE MARKET to see which company will arrange it for the best price.

This personal service comes at no extra cost - our friendly but efficient service means that clients return whenever they have an insurance need, and often refer others to us.

We will also advise – free of charge – on whether you can save money by using a trust, by altering your will, and even altering your mortgage. Just ask!

Which life insurance is best for you?

We will help you with your choice:

Single (no dependents)

Income protection
Mortgage protection for critical illness

Couple (no dependents)

Income protection
Joint mortgage protection – life & critical illness

Couple + children

Income protection
Joint mortgage protection – life & critical illness
Family income benefit for spouse

Critical illness
Pays out a lump sum on diagnosis of one of a list of critical illnesses. The most common diagnosis are for cancer, stroke & heart attacks. Statistically the chance of a critical illness policy paying out is about 3 x that of a life insurance policy, so the premiums are about 3 x the cost of life cover alone.

Interest only mortgage
The best policy is for the amount of the mortgage over its entire term. This may be joint or single life, and include critical illness cover.

Repayment mortgage
A mortgage protection policy is the most cost effective as the insurance will decrease as the mortgage is paid off. This policy can be arranged to pay out on death or diagnosis of a critical illness.

Family protection - income
Insuring the full lump sum that is needed may be costly – an alternative is to have the benefit paid as an income each year. This is much more cost effective

Family protection – lump sum
The amount of benefit & term of this policy are key – if your mortgage is covered, how much of a lump sum would be needed to replace the main income. Don’t forget also to cover a spouse who looks after the children.

For more information and quotations on our life insurance range please use the quick, easy form on this page.

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UK Life Insurance:

How do you get the right insurance policy for the best price?... Not sure what type of income or mortgage protection you need?.... Do you need critical illness cover?...

Step 1: Complete your details below with our quick and easy confidential NO-OBLIGATION life insurance enquiry form - either just your contact details, or full information for a quote.

Step 2: Expect a call from a qualified life insurance adviser to discuss your requirements in detail and give you a definitive quote.

Try to complete as much as our quick enquiry form as you can and a specialist broker will help you in your search for the right life insurance and critical illness cover. By asking for a quote there is absolutely no obligation to buy. Please note minimum amount of cover £10,000 and minimum term 5 years.

No Obligation Life Cover, Critical Illness and Income Protection Enquiry
Section 1 - First Enquirer
Do you smoke?	No Yes
Date of birth(*)
Occupation
Number of dependents (under 18 years)
Section 2 - Second Enquirer (single enquirers please go to section 3)
Do you smoke?	No Yes
Date of birth
Occupation
Relationship to 1st enquirer
Section 3 - Policy requirements
Amount of cover required(*)
Term of cover required (years)(*)
Cover required (1st choice) Not sure? Click here
Cover required (2nd choice)
Is your enquiry in relation to a repayment mortgage?	Yes No
When do you want the policy to start?(*)
If you have received other quotes what is the lowest monthly premium quoted?
Section 4 - Other information
Any other information you think may be useful, or comments, or questions you may have
Section 5 - Contact details
Title:
First Name:
Last Name:
Address:
Postcode:
Please note it is not always possible to process enquiries based solely on the information contained in this form. Each case is unique and it may be necessary to speak to you to be able to assess your own particular circumstances to help find the most appropriate course of action. Please supply at least one phone number.
Home phone:
Work phone:
Mobile:
When can you be contacted?	Daytime Evening Weekend
Email address:
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