Personal Mortgages...advising you on Life Insurances. 

Is it all about price? We don't think so!

• How much cover do you really need?
• What kind of policy best suits your needs ? Family Income Benefit or Term Insurance.
• Should you and your partner get a joint life policy or two individual policies?
• Do you want your benefits to be indexed ?
• Do you want waiver of premium ?
• Avoid signing up for life cover without fully understanding the complex small print that could leave your family in deep trouble
• Do you know your rights when you take out a policy ?
• Do you know how to get free life cover ?
• What extra type of benefit might be valuable ?
• Critical Illness…. combined or standalone ?
• What kind of premiums should I choose guaranteed or reviewable ?
• What are all the Critical Illness conditions? In the marketplace do all policies offer the same cover ?
• Can you get through the income protection maze ?
• What definition of disability should you choose ?
• What are the benefits of writing your policy in trust ?

When in doubt just give us a call.