0845 260 4480

russell@fineants.co.uk

Life & Critical Illness Insurance

When you take out a mortgage it is imperative to ensure that you have enough life insurance

to cover the mortgage should you die. Critical illness is equally or in some cases more important

as it will provide you with a lump sum if you suffer from a critical illness.

 If you have not changed your life insurance over the last couple of years you are likely to be paying   too much.

             The best rates for you and quickly

             Convenient way to apply                  - online, email, telephone  

             We search the market place to find you the best rates.  

Not sure what you need

          Read below to find the type of protection insurance you want

          Life Insurance - designed to pay a lump sum upon your death - Online Quotes or Contact Request   

                       There are two types:  

          Decreasing Term / Mortgage Protection - capital repayment mortgages

                     Designed to repay your outstanding repayment mortgage debt in the event of your death

                     during the mortgage term by providing a tax free lump sum. The lump sum payable to you                      decreases as your mortgage decreases. The policy should match the terms of your mortgage.

          Level Term - interest only mortgages, family protection

                     The amount of life cover remains level throughout the term. Can be used to pay off an interest                      only mortgage in the event of death. Cost effective way of providing a lump sum for members of                      your family upon your death during a specified period. The lump sum payable is tax free.

          Critical Illness

                     Pays out a tax free lump sum if you are diagnosed as having a critical illness during your                      chosen period. Can be added as an option to the above policies or can be a policy in its own                      right. The range of illnesses covered varies from provider to provider, make sure you read the                      key features documents, the cheapest is not always the best.

          Family Income Benefit

                     Provides a series of lump sum payments until the end of the term in the event of your death

                     within your chosen term. Aim is to pay a regular tax-free "income" to your dependents in the                      event of your death.

All of the protection policies named above have benefits and drawbacks. Drawbacks can include exclusions and limits to the amount of cover. We will discuss these with you before we make a recommendation.

Online Quotes - you can apply online as well if you want to OR, submit a

Life Insurance Contact Request Form