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Let's Help You Find the Best Decreasing Term Life Insurance Policy (& Save Money too!)

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Since 2006 we have helped 383,588 people compare Protection Insurance quotes. Five Stars Excellent (4.9) We would love to do the same for you...

Now’s the time to protect your loved ones - Prices have never been cheaper.

If required, our team of experienced advisers can help guide you through the options and can provide discounts on the best deals in the market.

The quotation service is completely FREE & you are under no obligation to purchase.

Since 2006 we have helped 383,588 people compare Protection Insurance quotes. Five Stars Excellent (4.9) We would love to do the same for you...

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  1. Decreasing Term Life Insurance

    Used specifically for a repayment mortgage, this provides a one-off tax-free lump-sum payment in the event of your death. The amount of cover reduces during the term of the policy in line with value of your remaining mortgage balance.
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    Decreasing Term Life Insurance protects families from financial hardship by paying out a one-off lump-sum if the policyholder dies during the term of the policy. The money can be used to pay off a repayment mortgage where the sum insured reduces in line with the outstanding mortgage.

    Premiums are paid monthly and the cover is set for the same duration as the current mortgage.

    The Premiums are affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.

    Insurers historically pay 99% of all life insurance claims - when they don’t pay out, it is usually because the policyholder was not truthful on their initial application about an existing health condition or a regular dangerous pursuit which led to their death. All insurers cover Covid-19 Coronavirus.

    More info

    Free Quote Calculate your cover

  2. Combined Decreasing Term Life & Critical Illness Cover

    Used specifically for a repayment mortgage, this provides a one-off tax-free lump-sum payment in the event of your death or a serious illness like cancer or permanent disability caused by injury. The amount of cover reduces during the term of the policy in line with value of your remaining repayment mortgage balance.
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    Decreasing Term Life Insurance with Critical Illness Cover protects families from financial hardship by paying out a one-off lump-sum if the policyholder dies during the term of the policy, or if they suffer a serious illness like cancer or a stroke, or a permanent disability caused by injury.

    The money can be used to pay off a repayment mortgage where the sum insured reduces in line with the outstanding mortgage.

    Premiums are paid monthly and the cover is set for the same duration as the current mortgage.

    The Premiums are affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.

    Most advisers would recommend taking out separate Life Insurance and Critical Illness Policies as you can only make one claim per policy, and if you suffer a serious illness it will be more difficult and more expensive to apply for a new life insurance policy. All insurers cover Covid-19 Coronavirus.

    More info

    Free Quote Calculate your cover

  3. Decreasing Term Critical Illness Cover Only

    This provides a one-off tax-free lump-sum payment in the event of a serious illness like cancer or permanent disability caused by injury.
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    Critical Illness Cover protects families from financial hardship by paying out a one-off lump-sum if the policyholder suffers a serious illness like cancer or a stroke, or a permanent disability caused by injury during the term of the policy. The money can be used to pay for medical treatment or rehabilitation or pay off mortgages and other outstanding debts as well as providing a source of income for everyday living.

    Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of Critical Illness Cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.

    The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.

    UK Insurers offer an increasing list of specific illnesses which they will cover beyond the most common like cancer, heart disease and strokes, but each insurer has their own list, and therefore if there is a history of a certain illness in the family, some insurers may provide better cover than others.

    More info

    Free Quote Calculate your cover

  4. Can't decide?

    For free advice, speak to a UK based adviser on: 01252 229981* (9am-5pm Mon-Fri)

    * The telephone service is provided in partnership with BL Protection

    Call 01252 229981*

    Get your FREE GUIDE to buying Life Insurance & Critical Illness Cover

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Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Get Insured within 20 Minutes

It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.

A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.

Calculate Your Cover

Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.

Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Trustpilot score for the service you'll receive

Five Stars Excellent (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

The quotation service is provided by an FCA-authorised insurance specialist

 

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