When someone is arranging a policy in their own name and its connected to a mortgage, there are some important benefits to consider when placing it into trust. Joint life policies can be put in trust, however for the purpose of a mortgage it’s not a usual process. If you have a joint life, first death [...]
Each Provider has a list of different definitions you can be covered for, and some will look at lower graded critical illnesses at an additional cost. Some providers will want you to survive a Critical Illness for a certain period of time, however there is a provider who will potentially pay out on production of a [...]
It pays out an amount of money if you die, often within a specified period. However, insurers also provide a range of additional benefits you’re highly unlikely to be aware of, so we’ve listed some below: • A support service which offers an independent team of counsellors, advisers and legal experts • Free counselling sessions, this [...]
Getting protection for yourself isn’t always a guarantee. Lots of variables can affect your ability to get insurance, so if you’ve already had health issues, you may find it increasingly difficult to get life assurance, if at all. Here are some examples of the cover we have sourced: • A client had a heart attack and [...]
