Life Insurance

 

What is Life Insurance?

Life Insurance is designed to support your loved ones financially if you die during the term of the policy. It will provide them with a lump sum to help with anything from household bills to covering mortgage payments.

There are varying types of policy currently available, including decreasing life insurance which will protect your repayment mortgage by paying settling the mortgage debt when you die. 

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Why should I consider a Life Insurance policy?

If anyone else in your life relies on your income then it is important to consider what will happen to them if you die.

  • Will they be able to keep up with the mortgage payments? If not, then their home may be repossessed
  • Will they be able to keep up with the household bills? If they don’t, they may fall into debt
  • Will they be able to afford your funeral costs? If not, they may face financial hardship

When taking out a mortgage you have a duty of care to yourself and your family, to ensure that you have adequate protection in place should you die or suffer a serious illness during the course of your mortgage.

By taking out a Life Insurance policy you can rest assured that should the worst happen, you have already taken the precautions of putting protection in place so that your family will not have financial worries when you are no longer around.

What can our advisers do for you?

Our specialist Protection advisers will look at your circumstances and concerns to ensure that you have the right policy in place and continue to review these on an annual basis to ensure that should your circumstances change your policy is updated.

We are on hand to assess your circumstances and advise on the cover you may require so that you have peace of mind that you have the right cover in place should you or your family need it.

Speak to one of our dedicated Protection advisers today to find out how we can help you.

Your Questions Answered

Do I need to insure my mortgage?

For the majority of people, a mortgage is the biggest financial commitment they are ever going to make. As such it is prudent to ensure that it is protected which will allow the mortgage to still be paid should in the event of, critical illness, accident, sickness, unemployment and ultimately loss of life.

More detail on Insurance can be found in ‘Life Cover

Where can I find information on becoming a landlord?
You can find a comprehensive guide for landlords on tenancy agreements and deposits on the governments website gov.uk/tenancy-agreements-a-guide-for-landlords
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