Life Insurance

The basic insurances explained

Life Insurance:

You agree to pay a monthly premium over an agreed term and if you were to die within that term the insurer pays out an agreed lump sum, tax free.

Suggested uses: pay the mortgage off for your family, provide for your family in your absence.



Critical Illness:

You agree to pay a monthly premium over an agreed term and if you were to become critically ill within that term with a defined illness the insurer pays out an agreed lump sum, tax free.

Suggested uses: pay off your mortgage, provide for your care.



Family Income Benefit:

You agree to pay a monthly premium over an agreed term and if you were to die within that term the insurer pays out an agreed regular income for the remainder of the term, tax free.

Suggested uses: replace your income for your family to live on.



Income Protection:

You agree to pay a monthly premium over an agreed term and if you were to die within that term the insurer pays out an agreed regular income for the remainder of the term, tax free.

Suggested uses: replace your income for you to live on.

Suggested uses: replace or repair your home and/or contents in the event of an insurable event.

There are many different types and variations of all these insurances, for a bespoke quotation from our independent panel of providers simply:



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