What happens if you urgently need Life Insurance in order to complete your house purchase?

You must to take action now. Ask for a quotation now, and ClickLife will call you within 24 hours and will sort everything out for you.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

In our experience, insurers accept about 1 in 3 applications as soon as they receive them. They can then place you on risk within minutes.

Hot Topics

What do you need to know about Life Insurance?
Life Insurance pays out a tax-free lump sum if you die; there is no investment value.
What is the difference between Life Assurance and Life Insurance?
Life Assurance has an investment value but Life Insurance does not.
How long should you insure for?
For mortgage protection purposes you should also insure yourself for the same number of years that are remaining on your mortgage. The initial sum insured should always equal the capital sum outstanding on your mortgage.
Should you include Critical Illness cover on your Life Insurance policy?
You should certainly consider taking out Critical illness cover whether you combine it into your Life Insurance policy (which is by far the cheapest way to buy both insurances) or you take out separate policies (which gives you far more protection – see below).
Should the cover be on joint lives or separate lives?
It may be better to buy separate policies.

If your application is not accepted straight away and you are in a hurry, the options depend upon why the insurance company wouldn’t immediately accept your application.

Most frequently, the delay will be connected to some query relating to your health. In this circumstance, your broker will need to speak to the insurer to find out exactly what the problem is because there may be arrangements they can make that will speed progress along.

In the most difficult cases, they could place your business with one of the few life insurance companies who will place you on risk whilst your case is being considered. This will mean that we cannot place your business with the very cheapest insurer but you will get cover quickly.

Frequently Asked Questions related to the above topic.
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