Life Insurance & Critical Illness Cover
Providing comprehensive insurance throughout Somerset & the UK

Life Insurance is fairly simple with a number of options. It does what it says on the tin and pays out a lump sum should you die within the term of the policy. These policies can be taken individually or as a joint policy with a partner, paying out only once. The premiums depend on many factors such as your age, term of the policy, health of an applicant and if you are a smoker.


Decreasing Term Insurance

Designed to pay off a repayment mortgage throughout its term. Upon death the payout will be enough to repay the mortgage balance, but will leave no extra to help with other expenses.

Level Term Insurance

Designed to pay off an interest only mortgage or as a lump sum for any other purpose. More expensive than a decreasing term policy but will pay out a set amount however long the policy has been in force.

Whole of Life

Whole of life cover is a policy that pays out upon death whatever age you are. As it will always pay out at some point these policies are more expensive than term assurance where the term of the policy is limited.

Critical Illness Cover

Critical insurance policies are designed to pay out a lump sum on diagnosis of a specified critical illness. These policies can be taken out in the same way as life cover. Either decreasing or level term. It can be taken out purely on its own or as part of a life cover policy.

With a joint Life & Critical illness policy you will be covered for both events but paid out upon the first event only.

The lump sum payout can be used for any purpose you like, including private medical treatment or even alterations to your home if required. Cover from one provider often differs from another so it is important to ensure you understand what is and isnt covered.

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Why not just use Moneysupermarket?

Theres an old saying that im sure many of you would have heard once or twice before. You get what you pay for in life! You may find a cheap policy on an internet comparison site. They may offer a reasonable policy, but what is their claims history like? What illnesses do they cover? Do you really know what cover you should have and all the options? Talk to us, we work with you to ensure if the worst ever happens then you and your family can survive financially.