Level Term Life Insurance
Your amount of cover stays the same throughout the life of the policy so no matter when you die the pay-out will still be the same.
Get a quick quote for level term life insurance today and protect the ones you love. Affordable life insurance is just a click away. You can get covered with the best value life insurance in minutes and with no forms or medicals.
The most widely chosen type of policy.
- Lump sum pay-out to your named beneficiaries so that your family can continue in comfort
- Can be used to secure an interest only mortgage
- Indexation could be add to the policy so the value does not reduce over time
- Terminal Illness Cover included for free
- Claim Statistics – Legal & General 2013: £262 million in Life claims, average £48,000 and £89 million in Terminal Illness claims £98,367
The most widely chosen type of policy.
- Lump sum pay-out to your named beneficiaries so that your family can continue in comfort
- Can be used to secure an interest only mortgage
- Indexation could be add to the policy so the value does not reduce over time
- Terminal Illness Cover included for free
- Claim Statistics – Legal & General 2013: £262 million in Life claims, average £48,000 and £89 million in Terminal Illness claims £98,367
What Does It Cover?
You can select an amount of cover with the policy OR you can work to a monthly budget if you have a figure in mind. Our specialists will go over your options on the phone.
Level Term comes with Terminal Illness coverage as a standard feature – so if you are unfortunately diagnosed with a terminal illness and have less than 12 months to live, it’s YOUR choice if you want the policy to pay out whilst you are still alive.
How Does It Work?
Level Term polices will protect you for a fixed period of time, of which you decide. This could be until your children are old enough to support themselves or until you retire or even to age 80 or 90, it’s up to you.
You pay a monthly premium for your cover, and if death occurs within the specified period your loved ones will be taken care of financially, making a difficult time a little easier for them.
Helping you make sound
financial decisions
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Losing a loved one is never easy…
but having life insurance in place can ease the financial burden at an emotionally difficult time. Our team of protection specialists can help you find the RIGHT policy at the RIGHT price. We even help you put your policy into TRUST for FREE which could protect it from the TAXMAN. Simply fill out the form and we will get everything ready and start preparing your quotes.
Ask Yourself:
- Who would pay the rent or mortgage if you were to pass away suddenly?
- Who would pay your children’s university fees or provide money for childcare whilst your surviving partner goes out to work?
- Who would provide the money for your family’s food, clothing or lifestyle?
- Who would pay for your funeral or clear your debts?
These are just a few things to think about when obtaining life insurance. If you pass away the policy will pay out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle in the event of your death.
We don’t talk to people like they’re just a number
Our expert advisers help people make informed decisions through expert financial advice.
Get Covered in 3 Easy Steps
1
Tell us how much money you would need to financially protect your loved ones
2
We will call you to discuss your options and provide comprehensive free quotes
3
You decide which policy to take and get protected today with no medicals or forms
We Provide Complete Cover For:
Life Insurance
Make sure your family have financial security in the event of your passing…
Income Protection
Protect your income if you’re unable to work due to illness or injury…
Critical Illness
Get a lump sum payment if you’re diagnosed with a serious illness…
Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?