Life Assurance & Mortgage Protection

Online Quote

If you know the type of policy you require, just go straight to the ‘get a quote’ button, alternatively there are some brief descriptions below, outlining the different types of policies. If you are uncertain, please contact us and we can talk you through our simple fact find, and recommend to you the policy type and cover you may need.

Our 'quote' option, will automatically search all the major life assurance providers and offer you the cheapest premium.

Mortgage Protection

A mortgage protection policy is a life assurance policy where the amount of cover reduces over the term. It is designed to repay your mortgage only, and therefore your cover reduces in line with your loan. These policies are generally the cheapest, and satisfy your lender’s requirements for mortgage borrowing.

Level Term

A level or adaptable term policy is where your cover remains constant throughout the term of the policy. You may choose to renew the policy after the term if it is adaptable. You can also choose an indexation option, whereby the company will offer to increase your cover each year to keep in line with inflation.

Dual Life

This cover means that both lives are covered, i.e. if something happens to one person, the second is still covered, or if something happened to both lives, the cover is paid on each person.

Joint Life

These policies only pay the first claim, i.e. if either life claims, the policy pays out the cover, then ceases. Mortgage protection policies are all Joint life.

Serious Illness Cover

This cover may be added to Mortgage protection or Term life assurance, and pays out the sum assured in the event of you being diagnosed with one of the nominated serious illness. (Definitions of all illnesses covered are available upon request).