Level Term

Premiums and life cover remain level throughout the policy. Can be in single or joint names.

Mortgage Protection 

This is a form of decreasing term assurance. The premium remains constant but the life cover gradually reduces each year. Normally used to protect a capital and interest (repayment) mortgage. Can be in single or joint names.

 Family Income Benefit 

These are used to pay a monthly or yearly income in the event of death. Commonly used to provide a widow/er with income to ensure dependent children can be adequately provided for. Can be in single or joint names. Slightly cheaper than level term assurance cover.

Critical Illness Cover

People are becoming increasingly more aware of the value of having critical illness cover in place. Unlike life cover, this benefit pays out once you have been diagnosed with one of the specified illness as listed in the policy.

People need protection policies for a wide variety of reasons and there are several types of plans to cope with these situations.

In the main, people require life cover or life insurance for their mortgage so that their family and dependants will not be left with a large debt to repay and the possibility of losing the home they enjoy so much. This is also known as death cover.

Families with dependant children will also take out life insurance cover for a lump sum or income to provide for their children in the event of death. This life assurance provides financial support for the surviving parent or guardian so that costs such as child care, school trips, car expenses and further education can be afforded.

The cost of this life cover does not have to be large with appropriate advice and guidance from a financial adviser.

We are not life insurance salesmen. There is no compulsion from any lender requiring you to have life cover. What we will do is help you evaluate whether you need life assurance or not, covering some eventualities which you may not have thought of.