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TYPES OF LIFE INSURANCE COVER THAT WE CAN QUOTE ON

Which type of life insurance policy is right for you?

Level Cover

Level Cover (or Level Term) insurance pays a lump sum to your loved ones if you die or become terminally ill.  It is designed for people that want to protect their family, and the amount paid out remains the same throughout the term of the insurance policy.  This cover can be taken out on your own or jointly.

Decreasing Cover

Decreasing Cover (or Decreasing Term) insurance is designed for those that want to know that their repayment mortgage will be paid off should they die.  The amount payable from the plan decreases as your mortgage balance decreases.  Again, this type of insurance can be taken out on your own or jointly.

Critical Illness Cover

Critical illness cover can be added to either Level or Decreasing cover Life Insurance policies.  This pays out a lump sum if you are diagnosed with a 'critical illness' such as cancer, stroke or heart attack.  This sum can be used for any purpose such as modifications to your home to help you cope better or simply to help pay the bills.  Not all critical illness cover is the same - different insurance companies class different conditions as 'critical', but you can be sure that we will be able to find the right cover for you.