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Life Cover
Our experienced advisors are here to help you choose the right life insurance policy, whether you're protecting your family, covering a mortgage, or planning for the future. We work with top UK insurers to offer policies tailored to your personal and financial needs.
Important: Life insurance policies have terms, conditions, and exclusions. Always review your policy details carefully.
Warning: The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
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Decreasing Term Life Cover:
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Whole of Life Cover:
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Increasing Term Life Cover:
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Lump Sum Payment:
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Family Income Benefit:
Life Cover
Pays a fixed lump sum if you pass away during the policy term. Ideal for covering fixed debts like an interest-only mortgage.
The payout amount reduces over time, typically in line with a repayment mortgage. Commonly used for mortgage protection.
Covers you for your entire lifetime and pays out whenever you pass away. Often used for estate planning or funeral expenses.
The payout rises annually with inflation (RPI or CPI), helping preserve the value of the cover over time.
Life Cover – Payout Options
Life cover policies pay out in different ways, depending on how you want to protect your loved ones.
A one-off, tax-free payment made to your beneficiaries if you pass away during the policy term. Commonly used to clear debts or provide financial support.
Instead of a lump sum, this option pays a regular income to your family for the remainder of the policy term. Helps with ongoing living costs.
