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Joint application?	No  Yes
Life Insurance Only pays out a defined sum of money upon the death of the insured person(s) during the term of the policy. Critical Illness Experts say you are six times more likely to claim under critical illness than life insurance! If you are considering taking out critical illness insurance to pay for the cost of private medical treatment then you should instead consider opting for private medical insurance - which we can provide. The reason why critical illness cover is so useful is that there are no restrictions on how you can use it. So it could be used:- to help pay your mortgage, or to allow you to go part-time, or generally ease your household finances Type of Insurance	Please Select Life insurance only Life insurance + Critical illness
Level Cover is ideal for those who have an interest only mortgage. The tax free cash lump sum payable will remain the same throughout the period of your plan. Decreasing Cover is ideal for those who have a capital and interest mortgage. As the cash lump sum required to pay off the mortgage debt decreases, so does the value of the plan.Type of cover	Please Select Level Cover Decreasing Cover
Those who take out life insurance policies do so to cover the period their children are growing up or to cover such things as funeral expenses.Over what period?	Please Select 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 26 years 27 years 28 years 29 years 30 years 31 years 32 years 33 years 34 years 35 years 36 years 37 years 38 years 39 years 40 years 41 years 42 years 43 years 44 years 45 years 46 years 47 years 48 years 49 years 50 years
It is never easy to think about the impact of your death but ensuring you get the right level of life cover is extremely important. Vital things to consider are: mortgage debt cost of childcare loss of income other outstanding debts Plus there are other eventualities which you don't really think about. So try and get as much cover as your budget will permit. The hardest bit of life insurance is recognising our own mortality. The easiest thing is to make provision should the worst happen.Amount of cover	Please Select £20,000 £25,000 £30,000 £35,000 £40,000 £45,000 £50,000 £55,000 £60,000 £65,000 £70,000 £75,000 £80,000 £85,000 £90,000 £95,000 £100,000 £105,000 £110,000 £115,000 £120,000 £125,000 £130,000 £135,000 £140,000 £145,000 £150,000 £155,000 £160,000 £165,000 £170,000 £175,000 £180,000 £185,000 £190,000 £195,000 £200,000 £205,000 £210,000 £215,000 £220,000 £225,000 £230,000 £235,000 £240,000 £245,000 £250,000 £255,000 £260,000 £265,000 £270,000 £275,000 £280,000 £285,000 £290,000 £295,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £550,000 £600,000 £650,000 £700,000 £750,000 £800,000 £850,000 £900,000 £950,000 £1,000,000 £1,100,000 £1,200,000 £1,300,000 £1,400,000 £1,500,000
Critical Illness Cover Critical illness cover is claimed 6 times more often than normal life insurance which is why it is more expensive. Rather than obtaining cover for your mortgage think about it more in terms of your salary. A critical illness could mean an extended period of time off work where your salary could dramatically reduce or in the worst case scenario you could lose your job. So the last thing you would want to be worried about when critical ill is your finances which is where critical illness insurance comes in. Critical Illness Cover	Please Select £20,000 £25,000 £30,000 £35,000 £40,000 £45,000 £50,000 £55,000 £60,000 £65,000 £70,000 £75,000 £80,000 £85,000 £90,000 £95,000 £100,000 £105,000 £110,000 £115,000 £120,000 £125,000 £130,000 £135,000 £140,000 £145,000 £150,000 £155,000 £160,000 £165,000 £170,000 £175,000 £180,000 £185,000 £190,000 £195,000 £200,000 £205,000 £210,000 £215,000 £220,000 £225,000 £230,000 £235,000 £240,000 £245,000 £250,000 £255,000 £260,000 £265,000 £270,000 £275,000 £280,000 £285,000 £290,000 £295,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £550,000 £600,000 £650,000 £700,000 £750,000 £800,000 £850,000 £900,000 £950,000 £1,000,000 £1,100,000 £1,200,000 £1,300,000 £1,400,000 £1,500,000
Guaranteed Premium ensures that the premium will remain the same for the lifetime of the policy. Reviewable Premium - means that the policy premiums will be reviewed at pre-determined times from the start of the policy eg every 5 years. Although Reviewable Premiums may be lower than Guaranteed Premiums there may be certain factors eg your state of health, which may cause the premiums to increase.Type of premium	Please Select Guaranteed Premiums Reviewable Premiums
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