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We’ve made sure that whether you want a single or joint policy – our quick and easy ‘one page’ form will have your quote to you in seconds. Real Time prices based on your circumstances in an instant – you just choose the one that seems right for you and our team will do all the legwork and form filling on your behalf – it’s nice to deal with people – after all!

Level Term Assurance – Usually taken out to provide lump sum monetary protection for loved ones or to cover an interest only mortgage or both in the event of the policyholder’s death. This cover will run for a chosen term. The level of death benefit remains constant throughout the term. The policy can be taken out on either a joint or single person basis. In the event of joint cover benefits are paid on a first death event. The policy does not have any maturity value.

Decreasing Term Assurance – Usually taken out to provide monetary protection against a repayment mortgage in the event of the policyholder’s death. The death benefit is designed to decrease with the policyholders mortgage and to mirror the term of the mortgage. The policy can be taken out on either a joint or single basis. In the event of joint cover benefits are paid on a first death event.

Family Income Benefit – designed to pay out chosen regular monetary payments in the event of the policyholder’s death. Usually taken out to provide protection for loved ones to keep them in the lifestyle to which they have become accustomed. The policy generally pays a monthly sum but payment frequency can vary according to providers. The policy will run for a chosen term normally until your children become of age. The policy does not have any maturity value.

Income Protection – designed to pay out a chosen monthly sum (normally 50% of the gross monthly income) in the event of the policyholder being unable to work due to accident or sickness. This type of policy does not provide unemployment cover. The policy will run for a chosen term. Generally there are no restrictions on a claims period on the amount of times that a claim can be made throughout the term. The policy has no maturity value.