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The term life insurance, in it's day-to-day form refers to an insurance policy taken out against an individual's life - as the name suggests, and like every other type of insurance, it requires the policyholder to pay regular premiums to their insurance company. The result of the policy is that, should the holder die during the term of the policy, the insurance company pays out either a lump sum or a regular income to the dependants or other nominated persons. There are many reasons why it is a good idea to take out a life insurance policy, the most obvious is to provide financial security and peace of mind to your family, should you die unexpectedly.

Critical illness protection covers you upon diagnosis of a pre-specified illness during the term of the policy. In the unfortunate event of the worse happening you could receive either a lump sum or regular payments to help with recuperation, medical costs, payment of your mortgage, or for modifications to your home such as widening your doors for a wheelchair if you were to become permanently disabled.

- Nearly 2 million people of working age will be off work for at least 6 months at any one time through sickness or disability. (Source: Scottish Provident 2006)
- 1 in 3 people will develop some form of cancer during their lifetime. (Source: Cancer Research UK 2011)
- Coronary Heart Disease, in form of CVD, causes over 94,000 deaths a year in the UK. (Source: NHS 2012)
- A staggering 2.6 million people are estimated to be living with coronary heart disease. (Source: NHS 2012)
- It is estimated that around a million men, and around 500,000 women are to of suffered a heart attack in the UK, with over 900,000 being under the age of 75. (Source: British Heart Foundation 2012)

If you have children and one was diagnosed with a critical illness and was in a hospital many miles away it is likely that you would want to stay with them or at the very least visit them everyday. Could you afford to do that? Most critical illness policies include benefits that are paid out if one of your children should suffer in this manner at no extra cost without affecting your own personal benefits from the policy.
Most insurers offer both types of policy, and the cost of combining the two under one insurer can help keep costs down.

What we do:

We listen to what your requirements are, and match you to an insurance policy which will provide sufficient cover to you and your family in the event of the worse happening.
We do not charge the customer for any part of our service, we are paid directly by the insurer in the form of commission. The quote is free, and we do not use or advocate the use of pressure selling.
We’re not tied to a single insurer, we work from a panel of the largest insurance companies in the UK to provide you with the most competitive quote possible.
One point of contact. A team member is allocated to your case, a dedicated person that will be familiar with your situation and requirements.
A jargon free personalised reply to all correspondence and not a computer generated automatic reply.

Already have a policy in place?

A substantial amount of life and critical illness insurance holders in the UK today have inadequate cover that does not match their current needs, and they’re paying too much for it. Think back to when you took your policy out and what it was originally intended to cover, if you have maintained a good level of health and can answer yes to at least one of the following questions, then there’s a good chance we can save you money.

Could you survive on your current insurers payout? Major changes in your life such as having children or increasing mortgage and other credit commitments will require an adjustment in your level of protection.
Is your insurance provided by the same company as your mortgage? If so then you may not be getting the best deal.
Do you wish to add your partner to your cover, or perhaps combine both of your existing policies to save money?
Have you got separate life and critical illness policies you wish to combine?
Honest advice. If you currently have a policy which meets your current needs and is at the best price we will advise you to keep your existing cover.

In 99% of cases your existing life insurance policy can be terminated by simply cancelling your direct debit.


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