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January 7, 2009
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Insurance - what you need to know

Over the past few years many forms of insurance policies have reduced in price especially life insurance. If you have a life policy which is over 3 years old it is likely you can either reduce the premium you are paying or increase the benefit for the same monthly cost.

Click on the links below to download our helpful expert advice guides that will let you find out how you can protect either you and your family, your mortgage, or your business.

These downloadable booklets are purely intended as guidance and therefore if you require any specific advice please contact us directly for independent financial advice.

You will need Adobe Reader to view these files which is available at www.adobe.com

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Beginners guide to protecting your future

It is a sad fact that whilst most of us are quite happy to insure our car, our house and our travel arrangements to their full value, few of us take quite as much care over our health and loved ones. This guide will assist you in considering your own situation - Click here

Family guide to protection

If you have a family, you probably value it above all else, and the last thing you want is anything threatening your financial security.But life doesn't always go according to plan, you will have insured most of your possessions in case of unexpected events. Have you done the same for your family? This guide should answer your questions about family protection, we hope you find it useful - Click here

What is 'Level Term Assurance'?

The name gives it away. It's term assurance, as you only get a payout within the set term e.g. 18 years. Its level, because the payout you get is always fixed. Level term assurance thus guarantees a lump sum payout upon death within a fixed time e.g. £150,000 if you die within the next 18 years. It's the one policy you hope won't pay out. This document explains more - Click here

What is 'Whole Life Assurance'?

With 'Whole Life Assurance', for a given premium, a wide range of benefits are available. The premium is split between providing for the insurance required now and investing into the insurance company funds in order to subsidise the cost of the cover in later years. Click the link to read more - Click here

What is 'Mortgage Life Assurance'?

Mortgage Life Assurance is designed to pay off the remaining mortgage debt on repayment mortgages if you die within a set period. It ensures your dependents need not worry about repaying the mortgage if you die. For more information click here

Further Information

 For further information or a confidential consultation with regard to insurances please e-mail info@upfrontfs.co.uk

 

 

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