Insurance

Life Insurance -
what you need to know Over the past few years many forms of insurance policies have become more competitively priced, especially life insurance. If you have a life policy which is several years old you may be able to change your provider for a more competitive premium, or to increase the benefit for the same monthly cost. Click on the links below to view our helpful expert advice guides that will let you find out how you can protect either you and your family, your mortgage, or your business.

Beginner's Guide to Protecting your Future
It's a sad fact that whilst most of us are quite happy to insure our car, our house and our travel arrangements to their full value, few of us take quite as much care over our health and loved ones. This guide will assist you in considering your own situation. read more..

What is Level Term Assurance?
The name says it all. It's term assurance, as you only get a payout within the set 'term' e.g. 18 years. Its level, because the payout you get is fixed from the start of the term until the end. Level term assurance thus guarantees a known lump sum payout upon death within a fixed time e.g. £150,000 if you die within the next 18 years. read more..

What Is Whole of Life Assurance?
Whole of Life insurance guarantees to pay out in the event of death, whenever it occurs. The premium you pay also includes an investment element which helps to pay for the cost of cover over time. The cost of cover can be more expensive than term assurance, but there is usually a claim value too. read more..

What Is Mortgage Life Assurance?
Mortgage Life Assurance is designed to pay off the remaining mortgage debt on repayment mortgages if you die within a set period. It ensures your dependents need not worry about repaying the mortgage if you die. read more..

What is Critical Illness Cover?
Although Critical Illness cover is sold by life assurers, there is a big difference when compared with life insurance - you don't have to die to benefit from the Critical Illness insurance policy. This type of cover is designed to pay out a (tax-free) lump sum in the event of you suffering from certain types of serious illness or if you have to undergo certain types of surgery. read more..

What is Business Protection?
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