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Does Life Insurance have to be associated with a mortgage?: No it does not. Many policies are used to provide additional financial security for the family.
What is the difference between Life Assurance and Life Insurance?: Life Assurance has an investment value but Life Insurance does not.
What personal details do you need to provide to get a quotation for Life Insurance?: Only your date of birth, sex and whether you're a smoker. So it's really simple to get an immediate quotation.
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 your policy be written “in Trust”?: We believe that all Life policies should be written “in trust”.

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.

All proceeds from insurance policies are tax-free.

IMPORTANT:

If you want insurance cover to pay your monthly mortgage payments if you were off work through sickness, accident or unemployment, then you need Mortgage Payment Protection Insurance.

If you want insurance cover to repay all your outstanding mortgage capital if you became critically ill, you need Critical Illness Insurance.

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -

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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.

IMPORTANT:

Frequently Asked Questions related to the above topic. Click below if you wish to read them: -

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -