Life insurance quote. Who the policy covers. Your total monthly payment will be: This quote is only valid for 30 days

Size: px
Start display at page:

Download "Life insurance quote. Who the policy covers. Your total monthly payment will be: 14.60. This quote is only valid for 30 days"

Transcription

1 Life insurance quote This quote has been prepared for Mr Rick Jones by LifeQuotes4U on 30th April You should read the details of your quote in conjunction with the Key Features in order to make your decision about whether the cover is right for you. The Key Features of this Legal & General life insurance policy are included for your reference. This quote is based on standard terms and the information you have already provided, and it could be subject to further medical underwriting and a final decision by Legal & General. Who the policy covers Name Rick Jones Date of birth 11/12/1976 Gender Male Smoker No Type of benefit Level Term Term 20 years Life Cover 250,000 Total sum assured 250,000 Guaranteed Monthly premium Your total monthly payment will be: The great thing about this policy is that once you have started it, as long as you keep up the monthly payments, regardless of your age, health or lifestyle changes Legal & General cannot increase your price for any reason, this is what they call a guaranteed monthly premium. The total amount you would pay over the term of this policy would be 3, This quote is only valid for 30 days

2 How long is this quote valid for? This quote is valid until 30/05/2013. This quote is based on standard terms and the information you have already provided, and it could be subject to further medical underwriting and a final decision by Legal & General. If you decide to change your cover, your monthly premium and total cover amount may change. If the answers you give on your application mean that Legal & General need to change the terms of the cover they can offer you, then that too will affect the premium. The laws of England and Wales apply to this cover. This cover is not available to customers in the Channel Islands or the Isle of Man Important information This product, if Legal & General agrees to issue it, meets the demands and needs of those who wish to purchase life insurance for protection. This is from the start date until a set period of time in the future. Your policy does not have a cash value at any time. You must read the Key Features included with this document. The quote assumes that: All the details you have provided are correct. If not, this quote may change; You are a resident of the United Kingdom. The laws of England and Wales will apply to this policy. Once the policy has started, Legal & General will send out all the full policy documents. If anything changes before the start date of your policy, please contact us and let us know. How much does our service cost? You don't have to pay us a penny for our service. Once you have started your policy, Legal & General will pay us commission.

3 WHAT IS LIFE INSURANCE? Life Insurance is a way of providing financial security to you and/or your dependants if you were to die. Traditionally, the need for Life Insurance is greater during the Vulnerable Years. These are the early years of marriage, or long term relationships, or when you start a family. The need is greater because... - You might have only one income between the two of you and relatively high living costs - The income that you're earning may not be so high at this stage of your life - If either of a couple dies, you're likely to need a lot of protection to preserve the family's standard of living for a long period - There may be little spare income to pay for Life Insurance as most income is needed to get by Consequently, low-cost temporary products such as Term Assurance, can often meet your immediate protection needs. It is often taken out to cover your mortgage and other debts you may have. This ensures your debts will be cleared if you die, so your dependents don't need to worry about them again. This is called Mortgage Protection. People often take out additional life insurance to ensure their dependents get an income if they are no longer around. It's a great help, at such a difficult time, if the mortgage is cleared but how will your family get by without an income? A separate policy can provide an income, meaning your family's standard of living can continue as before. WHAT IS TERM ASSURANCE? Term Assurance pays a lump sum if you were to die within a pre-determined time frame or The Term. Initially you will need to decide how much cover you need and over what period you need it for. Your decisions here, will affect how much it costs. Things that will increase the cost of Life Insurance are... Your age: the older you are, the more expensive cover is

4 The amount of cover: the more cover you have, the higher your premium will be The term: the longer the term is, the higher the premiums If you smoke: that's if you've smoked in the last 12 months If you die within the term... If you were to die within the term of the policy, the insurance company pays the lump sum to your dependants. Premiums will stop at this stage. If you survive past the term... Well, the bad news is you get nothing back; the good news is that you're still alive!! If this happens the whole contract comes to an end and you pay no further premiums. Because of the way it works, it keeps the cost to a minimum and keeps things really simple... Term Assurance usually offers the cheapest way to buy life insurance where the need for cover is likely to last for only a certain length of time. WHAT IS LEVEL TERM ASSURANCE? Level Term Assurance is where... The lump sum that you get if you die within the term stays the same throughout the entire length of the plan. The premium also stays the same; it is guaranteed to do so if you use LifeQuotes4U. This type of plan may be appropriate for you if you have an Interest Only Mortgage, where you are paying the interest only and therefore what you owe your lender always stays the same. It may also be appropriate where you want your dependants to receive a lump sum if you die. They could then use the capital to buy a house, pay off their mortgage or use it to provide an income... hopefully not to buy a super-car though!! WHAT IS DECREASING TERM ASSURANCE? Decreasing Term Assurance is where The lump sum that you get if you die within the term decreases throughout the length of the plan. - The premium also stays the same; it is guaranteed to do so if you use LifeQuotes4U.

5 It is designed to meet your needs if you have a decreasing liability, such as a repayment mortgage. WHAT IS MORTGAGE PROTECTION? Mortgage Protection is a type of Decreasing Term Assurance. If you have a repayment mortgage the amount you owe is constantly being reduced throughout the term. So, the lump sum that would be paid out on death reduces in line with your mortgage. This means your dependants will always be able to clear the mortgage if you die. Mortgage Protection is cheap as the amount the insurance company may have to pay out is always getting smaller, this means they offer the cover for lower premiums. WHAT IS FAMILY INCOME BENEFIT? Family Income Benefit pays your dependents an income if you were to die within the selected term. You choose the amount of income that will be paid and how long it will be paid for, the term. It is often taken out by couples with young children to provide sufficient income until their children become financially independent, such as when they leave university. WHAT IS JOINT COVER? Joint Cover is where only one policy covers two people (or sometimes more); normally a married couple... - The policy will pay out on the first death if it occurs within the term - The plan then stops, leaving the surviving person with no cover on their own life - There's nothing stopping the surviving person getting more cover at that stage, however it may be a lot more expensive (or not available at all) as they are older and may have developed medical issues Couples often take out one plan each; this type of plan is called a Single Life plan. The advantage of doing it this way is that, should one policy stop/pay out, the other can still run unaffected. Surprisingly, the cost of two single life policies is only approx 10% higher than a joint life plan.

6 WHAT ARE GUARENTEED PREMIUMS? Guaranteed premiums are guaranteed not to go up throughout the entire length of a policy. LifeQuotes4U only offer guaranteed premiums. WHAT DOES INDEX-LINKED MEAN? When a policy is Index-Linked the payout is usually designed to keep up with inflation. It is usually an option when applying for level term assurance policies. WHAT IS TERMINAL ILLNESS BENEFIT? A policy with Terminal Illness cover will pay out the death benefit if, due to a terminal illness, you are given less than 12 months to live. The policy will stop once the payout is made. Some policies will not payout if prognosis is given in the last 12 months of the term.

7 How do we discount so much? Life Insurance companies tend to be large multinational organisations with huge operational and overhead costs. These costs include Staffing, Marketing and Administration which often run into millions of pounds a year. These companies are therefore happy and encourage companies like Protected to handle these 3 key costs on their behalf and in return for taking these costs over, they pay us commission. The commission they pay us is not added onto your premium, but removed from their 'revenue' and passed on to us. They are happy to generate a lower return on you as a customer, as it hasn't cost them as much to acquire you (often referred to as the Customer Acquisition Cost). We discount heavily because we take less commission from the insurers and pass the rest of this commission back to you as a saving on your monthly premium (This is why we are cheaper than going to the insurer directly). How can we afford to do this? We simply run as efficiently as possible whilst maintaining the best customer service levels achievable. We streamline our marketing costs and administration processes and we don't get caught up in corporate 'red tape' or inefficiencies. The only area we don't cut back on is staff training and customer service because we value you as a customer and hope you will return to Protected in the future for your other financial services needs.

8 What happens next? One of our highly trained policy Makers will be in touch shortly to discuss your application and answer any questions you may have. The next steps will be: The Application LifeQuotes4U will provide you with your own Policy Maker who will submit your application for underwriting this is where the insurer will assess your answers before updating us with one or more of the following decisions: Accepted Standard Terms The insurer is happy with the information you have provided and will accept you at the quoted premium per month. Your policy will be ready to start immediately. Loaded Acceptance Based on the information you have provided the insurance company will accept you with a higher premium due to any existing medical conditions or your family history. Exclusion Based on the information you have provided the insurance company will accept you but may exclude cover on a particular medical condition if them deem the risk too high. This is a very rare occurrence as if there is anything seriously wrong the insurer will most likely decline the policy. Decline If your medical history does not meet the insurer s criteria for life insurance then no terms will be offered. Protected will speak to you regarding your options in this case and look at other options available. Postpone If you have any upcoming medical investigations, or are yet to receive the all clear from an existing condition, the insurer may defer their decision until they can access the application with all the information. LifeQuotes4U will call you again when the insurer is ready to proceed. Further Underwriting Required This means the insurer has not accepted your application, but would first like to gather more information before providing a decision. Most commonly the insurer will ask for permission to write to your doctor so they can review your medical records; this is called a GPR (General Practitioners Report). This gives both you and the insurer the peace of mind that everything has been disclosed and terms are offered accordingly. In some instances where you have pre-existing medical conditions or a high cover amount, then the insurer may ask for a nurse screening as well as the GPR. LifeQuotes4U will manage all the administration and manage the appointments for you.

9 What happens next? Having this information at hand will speed up the application process for you and allow the insurer to give us a more accurate decision straight away. Name, address and contact number of your current GP Your Direct Debit details Details of any prescription medication you may have taken in the last 12 months If you have diabetes, high cholesterol or high blood pressure your latest reading will often help us reduce your premium if they are all under control

10 After the Application Once your application has been submitted to the insurer we will manage all the administration for you via our team of Policy Makers Their sole role is to update you throughout the underwriting process and to answer any questions you may have. Many customers have let us know how valuable our Policy Makers have been to their application as we will ensure the process is as stress free for you as possible. How we get paid We search 10 of the UK s top life insurance companies to find you the most competitive price based on your age and the amount of insurance you would like. We will then manage your entire application including all the paperwork, legal requirements and can also set up a trust for you to ensure the money is paid to your loved ones with no inheritance tax. Many companies will charge you a fee for arranging your life cover but we do not. You pay nothing for our services even if your policy is not started. We are paid commission from the insurance company once your policy is in force. Life insurance companies rely on us to handle all the paperwork for them, speak to your GP and write your policies into trust and we employ the staff to complete this.

11 About us To follow Our Happy Customers To follow

What is Life Cover? Ensure the financial survival of your business, in the event of the death of a key employee or director.

What is Life Cover? Ensure the financial survival of your business, in the event of the death of a key employee or director. What is Life Cover? Life cover pays out a lump sum of money if the individual insured dies within a certain time period i.e. during the term of the policy. It is a lump sum and it can be used for a number

More information

Life and protection insurance explained

Life and protection insurance explained protection? Life and protection explained A guide to personal and family protection This guide explains the types of life and protection available and how they can offer you valuable peace of mind. If

More information

A Guide to Life Insurance Cover Creating your success through Financial Planning

A Guide to Life Insurance Cover Creating your success through Financial Planning & Guidance A Guide to Life Insurance Cover A Guide to Life Insurance Cover Financial Broker Contents How can I protect my family financially if I die? 02 What is life insurance? 03 What is a Financial

More information

A Guide to Life Insurance Cover Creating your success through Financial Planning

A Guide to Life Insurance Cover Creating your success through Financial Planning & Guidance A Guide to Life Insurance Cover Contents How can I protect my family financially if I die? 02 What is life insurance? 03 What is a Financial Broker? 06 Why would I need to use a Financial Broker?

More information

Your Policy Conditions

Your Policy Conditions Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life Insurance Inside you ll find full details about Tesco Life Insurance. Key features of Tesco Bank Life Insurance

More information

Get to know your options for protecting yourself and your family

Get to know your options for protecting yourself and your family Get to know your options for protecting yourself and your family LifeProtect Guide Allow us to introduce ourselves. We are Zurich. We are part of a global insurance group with Swiss roots. We are one of

More information

Independent consumer guide to life insurance

Independent consumer guide to life insurance Independent consumer guide to life insurance Who we are and what we do The Irish Financial Services Regulatory Authority was established in May 2003 to regulate financial services firms in Ireland. Our

More information

Your guide to protecting yourself and your loved ones with Aviva

Your guide to protecting yourself and your loved ones with Aviva Your guide to protecting yourself and your loved ones with Aviva Protect what matters most What s the most precious thing in the world to you? There s really only one answer to that the people who are

More information

LV= LIFE LV= LIFE INSURANCE

LV= LIFE LV= LIFE INSURANCE LV= LIFE LV= LIFE INSURANCE INSURANCE Key features of the LV= Life Insurance plan The Financial Conduct Authority is a financial services regulator. It requires us, LV=, to give you this important information

More information

Information Guide Booklet. Life Insurance

Information Guide Booklet. Life Insurance Information Guide Booklet Life Insurance This Information Guide booklet provides you with general information only. It will also help you to better understand any recommendations we have made for you.

More information

Life Insurance Information Guide

Life Insurance Information Guide Life Insurance Information Guide Chapter 1 Mortgage Insurance vs. Life Insurance Talking about your death is never easy or fun, but it is essential. When organizing your finances to provide for your family

More information

A simple, affordable way to give peace of mind to the people who matter most

A simple, affordable way to give peace of mind to the people who matter most GUARANTEED 50 PLUS LIFE COVER A simple, affordable way to give peace of mind to the people who matter most Want to know more? Please talk to your adviser The average cost of a burial in the UK is currently

More information

B1.03: TERM ASSURANCE

B1.03: TERM ASSURANCE B1.03: TERM ASSURANCE SYLLABUS Term assurance Increasing term assurance Decreasing term assurance Mortgage protection Renewable and convertible term assurance Pension term assurance Tax treatment Family

More information

LV= LIFE LV= LIFE INSURANCE. Policy Summary

LV= LIFE LV= LIFE INSURANCE. Policy Summary LV= LIFE LV= LIFE INSURANCE INSURANCE Policy Summary LV= Life Insurance Policy Summary In this summary, we try to help you by giving you the key facts of the plan. It doesn t set out the full terms and

More information

Life and Protection Insurance explained

Life and Protection Insurance explained OPW 01 (03/11) Demographik Life and Protection Insurance explained Openwork Limited is authorised and regulated by the Financial Services Authority. Registered in England 4399725. Registered office: Tri

More information

Key Features of the Whole of Life Protection Plan.

Key Features of the Whole of Life Protection Plan. WHOLE WHOLE OF OF LIFE LIFE PROTECTION PLAN KEY FEATURES Key Features of the Whole of Life Protection Plan. LIFE ASSURANCE This is an important document which you should keep safely in case you need it

More information

Your Policy Conditions

Your Policy Conditions Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life Insurance Inside you ll find full details about Tesco Life Insurance. Key features of Tesco Bank Life Insurance

More information

Buying a pension annuity

Buying a pension annuity Buying a pension annuity Why do I need to think about buying a pension annuity? When you come to retire, you will have some important decisions to make. Probably most important of all is how you will generate

More information

LIFE AND PROTECTION INSURANCE EXPLAINED

LIFE AND PROTECTION INSURANCE EXPLAINED LIFE AND PROTECTION INSURANCE EXPLAINED INTRODUCTION Most of us would like to think that when our lives come to an end, we ll be old, our loved ones will be financially secure and our financial responsibilities

More information

Reasons why AIG YourLife Plan / Low Start (all options)

Reasons why AIG YourLife Plan / Low Start (all options) AIG Life Reasons why AIG YourLife Plan / Low Start (all options) There are many different reasons why AIG s YourLife Plan / Low Start may or may not be suitable in particular circumstances. The following

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid.

Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. Includes Tips & Tricks that could save you substantial $$$ and help make sure your claims get paid. WHAT IS INSURANCE? It s simply the transference of a risk from yourself to the Insurer. By paying the

More information

OVER 50s LIFE INSURANCE. OVER 50s LIFE INSURANCE MORE THAN A MEMORY.

OVER 50s LIFE INSURANCE. OVER 50s LIFE INSURANCE MORE THAN A MEMORY. 1 MORE THAN A MEMORY. Put what you can in place for those you care about. Whether it s to help contribute towards the costs of your funeral, or simply as a gift that could help make a difference to your

More information

10 IMPORTANT TIPS AND TRAPS WHEN BUYING LIFE INSURANCE

10 IMPORTANT TIPS AND TRAPS WHEN BUYING LIFE INSURANCE 10 IMPORTANT TIPS AND TRAPS WHEN BUYING LIFE INSURANCE Don t buy insurance without first reading this guide 10 Important Tips and Traps when buying Life Insurance CONTENTS 1. Don't let TV advertising drive

More information

Family protection made easy

Family protection made easy Family protection made easy A guide to life assurance This product is provided by Irish Life Assurance plc. AIB has chosen Irish Life, Ireland s leading life and pensions provider, to provide its customers

More information

For expert advice call 01494 451441

For expert advice call 01494 451441 Protection Planning Life and Protection Insurance The cost of insurance, particularly life insurance has fallen over recent years, whilst the quality of cover has in many cases increased. With this in

More information

Life and protection insurance explained!

Life and protection insurance explained! Life and protection insurance explained! Introduction Some things are certain in life, like the fact that one day, we ll die. Most of us would like to think that when that day comes we ll be old, our loved

More information

Keeping up with mortgage repayments

Keeping up with mortgage repayments Keeping up with mortgage repayments This information is an extract from the booklet Housing costs, which is part of our Financial guidance series. You may find the full booklet helpful. We can send you

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

KEEPING YOUR BUSINESS ON COURSE. Helping you protect your business. Protection Business Menu

KEEPING YOUR BUSINESS ON COURSE. Helping you protect your business. Protection Business Menu KEEPING YOUR BUSINESS ON COURSE Helping you protect your business Protection Business Menu WHAT S INSIDE As a business owner you know what you need to make your business a success. Suitable premises, machinery

More information

A guide to your retirement options

A guide to your retirement options A guide to your retirement options I have been looking forward to my retirement but now I am worried about making the right choice See your options page 4. Cathy has stood by me through the good times

More information

Life Insurance Father s Day / Male Copy

Life Insurance Father s Day / Male Copy Life Insurance Father s Day / Male Copy Life Insurance Did you know the earlier you take out life insurance the cheaper it is? Protect your family s future today. Get a quote. Male life cover As a man,

More information

Self Assurance. Your simple guide to protection

Self Assurance. Your simple guide to protection Self Assurance Your simple guide to protection Your simple guide to protection Peace of mind for you and your family None of us really knows what the future has in store, but like millions of other people

More information

KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT. Important information you need to read

KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT. Important information you need to read KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO

More information

Your retirement could have even more going for it

Your retirement could have even more going for it Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could

More information

KEY GUIDE. Financial protection for you and your family

KEY GUIDE. Financial protection for you and your family KEY GUIDE Financial protection for you and your family Protecting what matters most Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that

More information

Guaranteed Whole of Life Cover. Peace of mind for the whole of your life

Guaranteed Whole of Life Cover. Peace of mind for the whole of your life Guaranteed Whole of Life Cover Peace of mind for the whole of your life Contents Protection Cover from Aviva Page 1 Guaranteed Whole of Life Cover Page 2 Your plan benefits Page 3 The premiums Page 6 Guaranteed

More information

FAMILY PROTECTION MADE EASY. A guide to life assurance

FAMILY PROTECTION MADE EASY. A guide to life assurance FAMILY PROTECTION MADE EASY A guide to life assurance INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see

More information

Flexible Life Plan Key Features

Flexible Life Plan Key Features Flexible Life Plan Flexible Life Plan Key Features This document shows the main points about your plan. Please read it with your personal illustration and keep it with the other documents relating to your

More information

Please read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY

Please read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Please read this document carefully as it contains important information about this plan Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Your VitalityLife plan summary About this booklet This

More information

Types of life insurance Buying life insurance How cancer can affect buying life insurance Getting money early from life insurance

Types of life insurance Buying life insurance How cancer can affect buying life insurance Getting money early from life insurance This information is an extract from the booklet Insurance, which is part of the financial guidance series. You may find the full booklet helpful. We can send you a free copy see page 6. Contents Types

More information

Lifetime Protection Plan from Standard Life Protecting you and your family

Lifetime Protection Plan from Standard Life Protecting you and your family Lifetime Protection Plan from Standard Life Protecting you and your family Remember when you thought you were invincible 1 of 33 2 of 33 When was the last time you felt invincible? Contents The need for

More information

DECREASING TERM ASSURANCE KEY FEATURES

DECREASING TERM ASSURANCE KEY FEATURES seeing retirement differently seeing retirement differently DECREASING TERM ASSURANCE CELEBRATING CELEBRATING YEARS sin ce 1 9 9 5 YEARS sin ce 1 9 9 5 The Financial Conduct Authority is a financial service

More information

RELEVANT LIFE PLAN KEY FEATURES

RELEVANT LIFE PLAN KEY FEATURES seeing retirement differently seeing retirement differently RELEVANT LIFE PLAN CELEBRATING CELEBRATING YEARS sin ce 1 9 9 5 YEARS sin ce 1 9 9 5 The Financial Conduct Authority is a financial service regulator.

More information

Have you protected the most valuable things in your home? Protecting yourself as well as your home

Have you protected the most valuable things in your home? Protecting yourself as well as your home Have you protected the most valuable things in your home? Protecting yourself as well as your home What s inside 2 A product to suit your life today, and in the future 4 Income Cover for Sickness 6 Critical

More information

Key Features of the BFS Protect Policy. A fresh look at Income Protection

Key Features of the BFS Protect Policy. A fresh look at Income Protection Key Features of the BFS Protect Policy A fresh look at Income Protection A fresh look at Income Protection 2 This is an important document which you should read along with your Personal Illustration. The

More information

he Ultimate Baby Boomers Guide to Life Insurance

he Ultimate Baby Boomers Guide to Life Insurance The Ultimate Baby Boomers Guide to Life Insurance he Ultimate Baby Boomers Guide to Life Insurance Contents Life Insurance Quotes for Baby Boomers- 3 Our Best Advice How the New Living Benefits Riders

More information

Copyright Notice & Legal Notice 2012 LifeNet Insurance Solutions 11505 Eastridge Drive NE Suite 420 Redmond, WA 98053-5758

Copyright Notice & Legal Notice 2012 LifeNet Insurance Solutions 11505 Eastridge Drive NE Suite 420 Redmond, WA 98053-5758 Copyright Notice & Legal Notice 2012 LifeNet Insurance Solutions 11505 Eastridge Drive NE Suite 420 Redmond, WA 98053-5758 Feel free to share this ebook (FOR FREE) with anyone you want to. All rights reserved.

More information

FREE REPORT. 10 Critical Questions to Ask when Buying Life Insurance

FREE REPORT. 10 Critical Questions to Ask when Buying Life Insurance FREE REPORT 10 Critical Questions to Ask when Buying Life Insurance 1. How much life insurance should an individual own? Rough "rules of thumb" suggest an amount of life insurance equal to 6 to 8 times

More information

Life Insurance made easy

Life Insurance made easy Life Insurance made easy INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges people face in

More information

LV= LIFE INSURANCE. Plan Conditions Document reference: LVLI3

LV= LIFE INSURANCE. Plan Conditions Document reference: LVLI3 LV= LIFE INSURANCE Plan Conditions Document reference: LVLI3 LV= Life Insurance Plan Conditions Welcome to LV=, and thank you for choosing LV= Life Insurance These conditions and your Plan Schedule, application,

More information

KEY GUIDE Financial protection for you and your family

KEY GUIDE Financial protection for you and your family Kelvin Financial Planning Ltd KEY GUIDE Financial protection for you and your family Introduction Most of us believe that taking out life and other forms of protection insurance is a good thing to do.

More information

BUSINESS PROTECTION ASSURANCE KEY FEATURES

BUSINESS PROTECTION ASSURANCE KEY FEATURES seeing retirement differently seeing retirement differently BUSINESS PROTECTION ASSURANCE CELEBRATING CELEBRATING YEARS sin ce 1 9 9 5 YEARS sin ce 1 9 9 5 The Financial Conduct Authority is a financial

More information

BUSINESS PROTECTION FROM VITALITYLIFE VITALITY.CO.UK/LIFE

BUSINESS PROTECTION FROM VITALITYLIFE VITALITY.CO.UK/LIFE BUSINESS PROTECTION FROM VITALITYLIFE VITALITY.CO.UK/LIFE SAFEGUARD THE FUTURE OF YOUR BUSINESS OUR BUSINESS PROTECTION PLAN CAN PROTECT YOUR BUSINESS IN THREE WAYS At VitalityLife we believe that business

More information

Insurances: A Guide YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Insurances: A Guide YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Insurances: A Guide Hello, and welcome to our guide to mortgage-related insurances, which we hope will give you a useful introduction to the types of cover you can take out to protect your home and family.

More information

A GUIDE TO WEALTH PROTECTION FINANCIAL GUIDE PRESERVING YOUR WEALTH FOR THE NEXT GENERATION

A GUIDE TO WEALTH PROTECTION FINANCIAL GUIDE PRESERVING YOUR WEALTH FOR THE NEXT GENERATION A GUIDE TO WEALTH PROTECTION PRESERVING YOUR WEALTH FOR THE NEXT GENERATION FINANCIAL GUIDE A GUIDE TO WEALTJH PROTECTION WELCOME CONTENTS Preserving your wealth for the next generation Welcome to our

More information

Your guide to. Equity Release. with no obligation

Your guide to. Equity Release. with no obligation Your guide to Equity Release Expert advice with no obligation Your introduction to equity release Your retirement should give you the freedom to do all the things in life you haven t had time for. However,

More information

insurance KEY FEATURES OF THE: RElEvAnT life PlAn important document

insurance KEY FEATURES OF THE: RElEvAnT life PlAn important document INSURANCE KEY FEATURES OF THE: Relevant Life Plan This is an important document which you should keep in a safe place. This is a guide to our Relevant Life Plan and is based on our understanding of current

More information

MORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE

MORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE MORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE All you need to know about buying and protecting your home THE FSA More Choice Financial Ltd, The Rufus Centre, Steppingley Road, Flitwick Beds MK45 1AH is authorised

More information

Simple Guide to Life Insurance for Parents

Simple Guide to Life Insurance for Parents Simple Guide to Life Insurance for Parents INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges

More information

CHOICE. PERSONAL PROTECTION LEVEL OR DECREASING TERM ASSURANCE

CHOICE. PERSONAL PROTECTION LEVEL OR DECREASING TERM ASSURANCE PERSONAL PROTECTION LEVEL OR DECREASING TERM ASSURANCE CHOICE. One of the many choices your clients will need to make is what level of term assurance they ll require. This flyer highlights the differences

More information

Your Guide to Equity Release

Your Guide to Equity Release Equity release has provided me with financial stability. I now have the opportunity to help my family, go on holiday, and make some home improvements. Mr W, East Sussex Your Guide to Equity Release Contents

More information

www.kjafinancial.co.uk

www.kjafinancial.co.uk A GUIDE TO Protection planning Helping to protect your family s lifestyle if your income suddenly changes due to death or illness FINANCIAL GUIDE KJA Financial Services Ltd, The Mill, Haggs Farm, Haggs

More information

Financial Planning & Guidance. A Guide to Annuities. Creating your success through Financial Planning

Financial Planning & Guidance. A Guide to Annuities. Creating your success through Financial Planning & Guidance TA Contents I m approaching retirement, what are my financial options? 02 What is a Financial Broker? 03 Why would I need to use a Financial Broker? 03 What is an annuity? 05 A Guide to Annuities

More information

PENSIONS INVESTMENTS LIFE INSURANCE SIMPLE GUIDE TO LIFE INSURANCE FOR PARENTS

PENSIONS INVESTMENTS LIFE INSURANCE SIMPLE GUIDE TO LIFE INSURANCE FOR PARENTS PENSIONS INVESTMENTS LIFE INSURANCE SIMPLE GUIDE TO LIFE INSURANCE FOR PARENTS 1 LIFE INSURANCE FOR PARENTS MADE EASY As parents we know that we need to protect ourselves, our families and homes against

More information

Insurance and diabetes

Insurance and diabetes Reviewed January 2010 Insurance and diabetes Buying the right insurance policy can give you financial protection and peace of mind if the unexpected happens. Unfortunately, having diabetes can affect both

More information

KEY FEATURES OF THE RELEVANT LIFE PLAN.

KEY FEATURES OF THE RELEVANT LIFE PLAN. RELEVANT LIFE PLAN KEY FEATURES OF THE RELEVANT LIFE PLAN. LIFE COVER This is an important document which should be kept in a safe place. 2 RELEVANT LIFE PLAN KEY FEATURES USING THIS DOCUMENT. WHAT ARE

More information

Guaranteed 50 plus Life Cover

Guaranteed 50 plus Life Cover 50 Plus important facts to consider Both engage and your financial adviser want to make sure you understand how this life cover product works and are happy with any decisions you make. For this reason

More information

Revolutionising Life Assurance. Life assurance around the world, around the clock

Revolutionising Life Assurance. Life assurance around the world, around the clock Revolutionising Life Assurance Life assurance around the world, around the clock Welcome to HealthCare International As a specialist provider of international and expatriate life and income protection

More information

COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT

COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT THE EASY WAY TO PROTECT YOUR FAMILY You ve made the smart decision to learn about life insurance. Now we can make it easy for you to

More information

A GUIDE TO. Protection planning. Helping to protect your family s lifestyle if your income suddenly changes due to death or illness FINANCIAL GUIDE

A GUIDE TO. Protection planning. Helping to protect your family s lifestyle if your income suddenly changes due to death or illness FINANCIAL GUIDE FINANCIAL GUIDE Protection planning A GUIDE TO Helping to protect your family s lifestyle if your income suddenly changes due to death or illness Contents Welcome Welcome to our Guide to Protection Planning.

More information

plain talk about life insurance

plain talk about life insurance plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love. It can mean the difference between leaving your loved ones well positioned

More information

Conventional Lifetime Annuity Options Your Questions Answered

Conventional Lifetime Annuity Options Your Questions Answered Conventional Lifetime Annuity Options Your Questions Answered 0845 077 7077 (8.30am-6pm weekdays) Calls may be recorded for training and monitoring purposes. www.425fs.co.uk Contents 1. Introduction to

More information

NOW S THE TIME TO TAKE INTEREST.

NOW S THE TIME TO TAKE INTEREST. REMORTGAGE THE RIGHT WAY NOW S THE TIME TO TAKE INTEREST. We know how precious your spare time is. An adviser can take all the hard work off your hands when you look into remortgaging. With dedicated experts

More information

Your retirement income. Exploring your options

Your retirement income. Exploring your options Your retirement income Exploring your options Contents 02 What do you want to do with your pension fund? 07 A regular retirement income for the rest of your life 10 A flexible income from a Self Invested

More information

Ageas Over 50s Life Plan. Your 10-step guide to planning ahead

Ageas Over 50s Life Plan. Your 10-step guide to planning ahead Ageas Over 50s Life Plan Your 10-step guide to planning ahead Welcome to your simple 10-step guide At Castle Cover we take great care to meet the needs of people over 50. The Ageas Over 50s Life Plan helps

More information

Deciphering Life Insurance Options: How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings

Deciphering Life Insurance Options: How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings How Choosing the Right Policy Can Help Safeguard Your Earning Potential and Savings 1 Many people think of life insurance as something they ll need when they get a bit older and want to ensure their loved

More information

55 Old Broad Street, London, EC2M 1RX Telephone: 020 3755 5068 Fax: 020 7997 6100. Contact us NOW for a FREE consultation A GUIDE TO

55 Old Broad Street, London, EC2M 1RX Telephone: 020 3755 5068 Fax: 020 7997 6100. Contact us NOW for a FREE consultation A GUIDE TO 55 Old Broad Street, London, EC2M 1RX Telephone: 020 3755 5068 Fax: 020 7997 6100 Website: Email: Contact us NOW for a FREE consultation A GUIDE TO WEALTH PROTECTION PRESERVING YOUR WEALTH FOR THE NEXT

More information

Conventional Lifetime Annuity Options Your Questions Answered

Conventional Lifetime Annuity Options Your Questions Answered Conventional Lifetime Annuity Options Your Questions Answered 0800 014 7470 0333 014 6267 am-5.30pm weekdays. Calls may be recorded for training and monitoring purposes. www.425fs.co.uk Contents 1. Introduction

More information

Instant Life Insurance

Instant Life Insurance AIG Life Instant Life Insurance Key Facts AIG Instant Life Insurance the Key Facts This document gives you the key information you need to help you decide whether AIG Instant Life Insurance is right for

More information

The Social Fund. Part of the Department for Work and Pensions

The Social Fund. Part of the Department for Work and Pensions The Social Fund Part of the Department for Work and Pensions What is the Social Fund? If you are on a low income and faced with costs that are difficult to pay for out of your normal income, the Social

More information

A simple guide to Life Insurance

A simple guide to Life Insurance A simple guide to Life Insurance Your guide to Life, Income Protection, Trauma, and Total & Permanent Disability Insurance. Lifebroker Pty Ltd ABN 92 083 177 011 Introduction Why do I need personal insurance?...

More information

Protecting your lifestyle and your wealth

Protecting your lifestyle and your wealth Protecting your lifestyle and your wealth Life assurance Critical illness cover Income protection Key person and partnership protection Over 30 years experience providing independent pension advice to

More information

plaintalk about life insurance

plaintalk about life insurance plaintalk about life insurance The right life insurance protection can have an enormous effect on your life and the lives of those you love. It can mean the difference between leaving your loved ones well

More information

Contents: What is an Annuity?

Contents: What is an Annuity? Contents: What is an Annuity? When might I need an annuity policy? Types of annuities Pension annuities Annuity income options Enhanced and Lifestyle annuities Impaired Life annuities Annuity rates FAQs

More information

The right life insurance policies for you

The right life insurance policies for you The right life insurance policies for you THE RIGHT LIFE INSURANCE POLICIES FOR YOU Once you have chosen on whose life the policy should be taken out, how much money is needed and when and the best way

More information

Whatever s special about your family life, make sure you protect it

Whatever s special about your family life, make sure you protect it Whatever s special about your family life, make sure you protect it Your family is special, so make sure you protect it When something awful happens, it feels like normal life stops. But, even for a family

More information

Your Guide to Equity Release

Your Guide to Equity Release Equity release has enabled me to go on more holidays, purchase a new car and make some major household purchases. The service provided met our financial needs in an efficient and helpful way. John, Sutton

More information

Protect. Policy Summary. Long Term and Short Term. ...the feeling s mutual

Protect. Policy Summary. Long Term and Short Term. ...the feeling s mutual Protect Long Term and Short Term Policy Summary If you want to know you re getting good value, fair and reliable Income Protection that does what it says on the tin...the feeling s mutual This document

More information

WOMEN AND RISK MADE SIMPLE

WOMEN AND RISK MADE SIMPLE WOMEN AND RISK MADE SIMPLE Working with the profession to simplify the language of insurance UNDERSTANDING WOMEN AND RISK Risk is part of life. At home, at work, on the road, on holiday, you re at risk

More information

POLICY TERMS AND CONDITIONS.

POLICY TERMS AND CONDITIONS. TERM ASSURANCE POLICY TERMS AND CONDITIONS. T&C 60 2 TERM ASSURANCE POLICY TERMS AND CONDITIONS CONTENTS. 1. DEFINITIONS EXPLAINED 3 2. INTRODUCTION 4 2.1 Who is covered? 2.2 Amount of cover 2.3 Period

More information

INSURANCE AND DIABETES TRAVEL INSURANCE. What is the best way to buy travel insurance? Things to remember

INSURANCE AND DIABETES TRAVEL INSURANCE. What is the best way to buy travel insurance? Things to remember INSURANCE AND DIABETES People living with diabetes can encounter difficulties arranging insurance. Although diabetes can be treated, people with diabetes are more likely to develop medical complications,

More information

Guide to Wills and Legacies

Guide to Wills and Legacies Guide to Wills and Legacies Leaving a gift in your Will to International Cat Care Leaving a gift in your Will to International Cat Care Thank you for enquiring about leaving a gift in your Will to International

More information

A brief guide to Financial Planning Guide financial planning

A brief guide to Financial Planning Guide financial planning A brief guide to Financial Planningplanning Guide financial Table of Contents Financial Planning The Process of Financial Planning Why do I need a Financial Plan? Do I need a Financial Advisor? Tips to

More information

Equity Release Guide. www.seniorissues.co.uk

Equity Release Guide. www.seniorissues.co.uk Equity Release Guide www.seniorissues.co.uk For more information or to speak to one of our trained advisers please telephone our Senior Issues Team on 0845 855 4411 The Caesar & Howie Group 7/3/2008 EQUITY

More information

In safe hands. Business protection for sole traders

In safe hands. Business protection for sole traders In safe hands Business protection for sole traders How secure is your financial future? As a sole trader the success of your business depends on you your skills, your judgement, your drive. In turn you

More information

HOME BUYING PLANNER MOVING MADE SIMPLE.

HOME BUYING PLANNER MOVING MADE SIMPLE. HOME BUYING PLANNER MOVING MADE SIMPLE. Since the 1980s, we ve been helping people to move home so we understand that the process can be expensive and stressful. With sensible expert financial advice and

More information

BUYING A PENSION ANNUITY.

BUYING A PENSION ANNUITY. PENSION ANNUITies BUYING A PENSION ANNUITY BUYING A PENSION ANNUITY. 1 This is an important, once and for all, decision. We want you to be confident that you have the information you need to make the right

More information

KEY GUIDE. Financial protection for you and your family

KEY GUIDE. Financial protection for you and your family KEY GUIDE Financial protection for you and your family Introduction Most of us believe that taking out life and other forms of protection insurance is a good thing to do. Protecting your family should

More information

Our Enhanced Lifetime Mortgages Explained

Our Enhanced Lifetime Mortgages Explained Our Enhanced Lifetime Mortgages Explained Contents Make the very best of life..........................................2 About more 2 life and the enhanced lifetime mortgage plans............3 - The plan

More information