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Now’s the time to protect your loved ones - Prices have never been cheaper.
If required, our team of experienced advisers can help guide you through the options and can provide discounts on the best deals in the market.
The quotation service is completely FREE & you are under no obligation to purchase.
This provides monthly tax-free payments to cover your mortgage in the event that you cannot work due to injury, short or long-term sickness or disability. Read more
Mortgage Protection Insurance is a type of insurance that pays a sum of money every month to cover your mortgage and possibly other household expenses in the event that you are unable to work due to sickness or injury.
Premiums are paid monthly and the cover is set to pay-out for a period of time, either short term (1-5 years) or up to the age of retirement. The amount that the mortgage protection policy will pay out every month is limited to 65% of your monthly salary or income.
The Premiums are affected by various factors including the monthly sum insured, salary, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
A good way to reduce the cost of the premiums is to defer when the policy pays out after a claim is registered. It is worth considering whether your employer offers any sickness benefits or whether you have any savings to extend the deferment period.
This provides a one-off tax-free lump-sum payment to settle your remaining mortgage balance in the event of your death during the fixed term of the policy. Read more
Mortgage Life Insurance protects families from financial hardship by paying out a one-off lump-sum if the policyholder dies during the term of the policy. The money can be used to pay off an outstanding mortgage, or other debts.
Premiums are paid monthly and the cover is set for the same duration as the current mortgage. A Decreasing Term Life Insurance policy is mainly used for a repayment mortgage where the sum insured reduces in line with the outstanding mortgage. A Level Term policy can be used for a repayment mortgage or an interest-only mortgage, where the sum insured remains the same as the outstanding mortgage debt.
The Premiums are affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
Insurers historically pay 99% of all life insurance claims - when they don’t pay out, it is usually because the policyholder was not truthful on their initial application about an existing health condition or a regular dangerous pursuit which led to their death. All insurers cover Covid-19 Coronavirus.
ThisThis provides monthly tax-free payments to cover your mortgage in the event that you cannot work due to injury, short or long-term sickness or disability, and a lump-sum payment in the event of death during the fixed term of the policy. Read more
Over 50s Life Insurance is a specialist life insurance policy that offers a guaranteed acceptance with no requirement for a medical but it is often limited to £25,000 worth of cover. As such it is attractive to people with existing health conditions who cannot get approval for a standard life insurance policy.
The limited amount of Over 50s Life Cover means it is often used for planning funeral expenses or smaller debts rather than a mortgage.
Premiums are paid monthly and the cover will cease if the premiums are stopped. Insurers will also often only pay back the premiums paid instead of the sum insured if the policyholder dies within two years of taking out the policy.
This is a Decreasing or Level Term Combined Policy where the amount insured matches the value of the outstanding mortgage. It provides a one-off tax-free payment in the event of your death, or a serious illness like cancer, or permanent disability caused by injury during the fixed term of the policy. Read more
Life Insurance and Critical Illness Cover protects families from financial hardship by paying out a one-off tax-free lump-sum if the policyholder dies during the term of the policy, or if they suffer a serious illness like cancer or a stroke, or a permanent disability caused by injury. The money can be used to pay off mortgages and other outstanding debts as well as providing a source of income for everyday living.
Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of life and critical illness cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.
The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
Most advisers would recommend taking out separate Life Insurance and Critical Illness Policies as you can only make one claim per policy, and if you suffer a serious illness it will be more difficult and more expensive to apply for a new life insurance policy.
For free advice, speak to a UK based adviser on
01604 436919* (9am-5pm Mon-Fri)
The telephone service is provided in partnership with BQI Protection Ltd and the quotation service is provided by an FCA-authorised insurance specialist
It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.
A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.
Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.
Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.
We have tracked down the very best protection insurance advisers in the UK to ensure you have access to great advice and the best products from the leading insurers.
Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.
Outstanding service and knowledgeable customer service rep. I received a call as promised in my email. Marie was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.
Marie was very sensitive when discussing personal circumstances and listened carefully and showed...
N Marsden