Mortgage Protection

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Life assurance is designed to reassure you that your dependants, such as your children, spouse or a partner, will be financially looked after in the event of your death.

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Level cover is an amount payable if you were to prematurely die, usually designed to repay a mortgage or loan

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Decreasing cover is an amount payable if you were to prematurely die, usually designed to repay the outstanding balance of a repayment mortgage. The amount of cover reduces roughly in line with the way a repayment mortgage decreases.

 

Family Income Benefit is a regular monthly sum payable, for a pre-arranged term, if you were to prematurely die. Designed to replace an income, for the benefit of the members of your family

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Critical Illness is an amount payable if you were to suffer a specified condition or illness, for example: Cancer, Heart attack, stroke, MS or Motor Neurones disease, there are many, many conditions that can be covered within this type of policy.

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Income protection is a regular monthly payment, should you be deemed unable to work through illness or injury (usually after an agreed deferred waiting period of time).