A – The premiums of your cover depends on a range of different factors, such as your age, height and weight; your health; whether you’re employed in a high-risk occupation; and whether you smoke. Cover can start from around £5 per month, but can change depending on the amount, duration of the cover and if you have any pre-medical conditions that need specifying, such as diabetes, etc
A – Yes. Critical Illness Cover and Income Protection are separate policies that are designed to protect your income in the event of illness or accident. These policies do not need to be taken out in conjunction but the level of cover required depends on several factors so we recommend talking to one of our advisers first.
A – Yes. If your circumstances change you can increase your cover or buy extra policies.
A – It’s completely up to you. Most people align the length of their cover with when they expect their mortgage to be paid off. Most insurers have a maximum cover age between 70-85 years old. You can continue to reassess your protection needs as your circumstances change.
A – Sometimes. You must disclose any pre-existing medical conditions as part of your application. If you don’t suffer from any medical conditions then the insurer may not need a medical report.
A – This will depend on your personal circumstances. You should consider:
– How much is left to pay on your mortgage
– How much other debt you have to pay
– How much you would need to pay towards childcare or education
– How much your loved ones would need to maintain their lifestyle
– How much you may need if you get a critical illness
– How much you can afford
If you’re new to Life Insurance, it is useful to take advantage of our advice.
Speak to one of our qualified advisers for fee free expert advice on 01273 033230.
A – This will depend on your personal circumstances. You should consider:
– How much is left to pay on your mortgage
– How much other debt you have to pay
– How much you would need to pay towards childcare or education
– How much your loved ones would need to maintain their lifestyle
– How much you may need if you get a critical illness
– How much you can afford
If you’re new to Life Insurance, it is useful to take advantage of our advice.
Speak to one of our qualified advisers for fee free expert advice on 01273 033230.
A – The monthly premiums you pay may change depend on the structure of your plan and the value it’s worth over time.
Level cover means that the value of your plan stays the same over time. It will only change if something happens such as you make a claim or change your cover.
Indexed cover means that the value of your plan will increase each year to align with inflation and rises to the cost of living.
Decreasing cover means that the value of your plan decreases over time. This may align with decreases to your mortgage amount as you continue to pay it off.
A – Yes. Many of our insurers offer payouts within as little as 7 days offering greater financial security.
A – Your premium will depend on factors like your age, medical history, your occupation, alcohol consumption and whether you’re a smoker. Fill in your details today for a fee free quote.
A – You can take out this policy at any time, but most people tend to think about taking out a plan when they’re about to start a family, get married, change jobs or take out a mortgage.