LIFE ASSURANCE

In recent years premium rates have been reducing, driven by a protection rate war amongst product providers in this field. It is now unwise to buy cover direct from an insurance company as you could pay over the odds for the protection you need.

The case study illustrates this point. It shows how we bettered one client’s position by giving extra cover of £258,000 for an existing premium outlay that was only providing him with £215,000 in cover in the policy we replaced.

So could you be paying over the odds for your cover? Also, are the policies you have in trust for your dependants?

Our research shows that banks and building societies have in the past offered policies that were poor value. If your source of advice came from this direction it will pay to ask us to give you quotes for the policies you need.

If you are unsure of the cover you need then call us, our consultants can help you. Unlike some direct line services we can also ensure the cover arranged is placed in trust for your dependants, where appropriate.

Finally, please do not overlook your position if you were to fall ill or become critically ill. Unlike life term assurances, critical illness policy premiums are rising. For an alert here move to the Critical Illness icon.

We are experts and are therefore able to provide independent advice on obtaining the best results for your Life Assurance Policy. For help and advice complete the brief questionnaire or use the hyperlink to our On Line Services.