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Life
Insurance Quotations
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Mortgages
4U Ltd now provide Life Insurance quotations in partnership
with quotefair
Please
select the product that you would like a quotation for:
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Level
Term Assurance is life insurance that pays out a set amount
if you die within the term of the policy.
Level Term Assurance is usually used to cover fixed repayment
values; for example, an interest only mortgage where the amount
you owe remains the same until the end of the mortgage, or
to provide a sum to your family to help support them until
they can become financially independent without you. When
a term assurance policy expires, it has no value. This means
that if you do not die within the term, you will not receive
any money back. If you are unsure which type of insurance
is right for you, please contact us for advice.
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Mortgage
Decreasing Life Insurance is used to cover a repayment mortgage
where the amount you owe reduces as you repay it.
The premiums won’t change during the lifetime of the policy
but the amount that will be paid when you die will reduce starting
from the amount of cover you specify, and ending at zero by
the end of the term.
When a
Decreasing Term Assurance policy expires, it has no value.
This means that if you do not die within the term, you will
not receive any money back.
If you
are unsure which type of insurance is right for you, please
contact us for advice.
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Critical
Illness Cover is insurance that pays out if you are diagnosed
with an illness specified within the policy. It is designed
to help you adapt if your life is changed by an illness.
The illnesses covered by each policy will differ, so it is
important to read the full details of the plan you are considering.
The following illnesses are typical:
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Blindness – permanent and irreversible;
• Cancer – excluding less advanced cases;
• Coma – resulting in permanent symptoms;
• Deafness – permanent and irreversible;
• Heart Attack – of specified severity;
• Kidney Failure – requiring dialysis;
• Stroke – resulting in permanent symptoms.
Insurers
may also exclude some illnesses because you already have them,
or are likely to get them because of your health or lifestyle.
The premiums are often reviewable, meaning they may change
during the term of the policy; although, some providers offer
fixed premiums that are guaranteed not to change.
Critical
Illness cover is not designed as a replacement for your income.
If you are looking for cover to protect your income if you
are unable to work then please contact us for advice.
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Decreasing
Critical Illness Cover is insurance that pays out if you are
diagnosed with an illness specified within the policy. It is
designed to help you adapt if your life is changed by an illness.
The illnesses covered by each policy will differ, so it is important
to read the full details of the plan you are considering. The
following illnesses are typical:
•
Blindness – permanent and irreversible;
• Cancer – excluding less advanced cases;
• Coma – resulting in permanent symptoms;
• Deafness – permanent and irreversible;
• Heart Attack – of specified severity;
• Kidney Failure – requiring dialysis;
• Stroke – resulting in permanent symptoms.
Insurers
may also exclude some illnesses because you already have them,
or are likely to get them because of your health or lifestyle.
The premiums are often reviewable, meaning they may change
during the term of the policy; although, some providers offer
fixed premiums that are guaranteed not to change.
Critical
Illness cover is not designed as a replacement for your income.
If you are looking for cover to protect your income if you
are unable to work then please contact us for advice.
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Family
Income Benefit |
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Life cover
which pays your dependents an annual income following your
death, for the remainder of your selected plan term.
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