Life Insurance


Quite often you hear it said, or say it yourself 'It could never happen to me' or 'I'll sort it out later'. Well the old maxim of 'failing to plan is planning to fail' is not better suited to the ignoring of crucial decisions on protection.

As one would imagine, there are many types of Protection Policies to choose from. Finding the right one that provides adequate cover and the right protection is not as easy as you may think. As advisors we can help you find the one that best meets your requirements.

What is it?

A Term Life Insurance Plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out one lump sum if you die during the policy term. With some term insurance policies you can add additional options, for instance critical illness cover. If you do add critical illness cover the plan will pay out once, on diagnosis of a qualifying critical illness or if you die during the term of the policy.

Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period, whilst keeping the cost to a minimum. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to repay a mortgage in the event of death, other loans or to ensure that your family is protected from the effect of having to repay a debt after the main breadwinner has passed away. At Mortgage Store we can help you find the right plan that best meets your requirements.


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