Life & Serious Illness Cover

Life Cover

There are different forms of Life cover.

• Mortgage protection
  The cheapest form of Life cover, as the amount of cover reduces as your Mortgage reduces.

• Term cover
  Where you arrange cover for a fixed term such as 20 years. You can add some options to this such as Indexation (i.e. keep pace with inflation) and Convertible option (i.e. right to extend the policy before the term expires without the need for any further medical underwriting).

• Whole of Life
  Is the most expensive form of Life cover, as ultimately the policy will pay out . However there are ways of reducing the cost such as holding the premium fixed for a period such as 10 years, after which it would be reviewed.

The cost of Life cover is much lower now than a few years ago - so it is worthwhile having all existing policies checked to establish whether you can a replacement policy at a lower premium today. We are happy to provide this service to you.
For a competitive quote, please contact us here.

Serious Illness Cover:

Provides a lump sum on diagnosis with certain types of Illness such as Heart disease and invasive cancer. It can assist at time of hardship and at a time when Income may be disrupted, but increased bills coming in. It can be arranged as a stand alone policy or in conjunction with a Life policy and Mortgage protection cover.

Why not consult with us today and let us review what cover you have. We can give you the best advice on where there is a shortfall in your cover.