Not sure which type of UK life assurance is right for you?

Take a look at the options we offer:

Life Cover

There are 2 types, level and decreasing.

Level Term Insurance

Provides a fixed lump sum payment should you die within a specified period.  You choose the amount of cover you want and how long you would like the policy to run for. If you die during the policy term your insurer will pay the amount you are covered for.

If you set up a joint policy (one policy to cover two people) the amount of cover is usually paid out on the first death.

The policy stops when a claim has been paid. These policies have no cash in value at any time.

Level term life insurance (or assurance) with critical illness

Provides a specified lump sum payment should you die or suffer a critical illness within a specified period.

You choose the amount of cover you want and how long you would like the policy to run for. If you die or are diagnosed with an earlier critical illness during the policy term your insurer will pay the amount you are covered for.

The types of illnesses covered include Heart Attack, Stroke, Cancer and Multiple Sclerosis (the full list of illnesses covered are detailed by the insurers in their key features document which is available on request).

If you set up a joint policy (one policy covering two people) the amount of cover is usually paid out on the first claim.

Mortgage protection cover/ Decreasing Term/Cover Insurance

Providing a decreasing lump sum payment to cover your outstanding mortgage, should you die within the specified period.

You choose the amount of cover you want and how long you would like the policy to run for.

The amount of cover reduces each month during the policy term and is calculated to be enough to equal the capital outstanding under a normal repayment mortgage.

If you die during the policy term your insurer will pay the calculated amount of cover at that time.

If you set up a joint policy (one policy to cover two people) the amount of cover is usually paid out on the first death although this depends on how the policy is set up.

Mortgage protection cover with critical illness

Providing a decreasing lump sum payment to cover your outstanding mortgage, should you die or suffer a critical illness within the specified period.

You choose the amount of cover you want and how long you would like the policy to run for. The amount of cover reduces each month during the policy term and is calculated to be enough to equal the capital outstanding under a normal repayment mortgage.

If you die or are diagnosed with an earlier critical illness during the policy term your insurer will pay the calculated amount of cover at that time.

The types of illnesses covered are Heart Attack, Stroke, Cancer, and Multiple Sclerosis (the full list of illnesses covered are detailed by the insurers in their key features document which is available on request).

If you set up a joint policy (one policy covering two people) the amount of cover is usually paid out on the first claim.

The policy stops when a claim has been paid. These policies have no cash in value at any time.

23 Hawthorn Road,Droylsden, Manchester M43 7HU.

Tel & Fax  0161 370 0601 . Mobile  07961 873 561 

Email neil@mortgagesneildowning.com

Neil Downing is a Mortgage and Protection adviser of Maine Financial LLP, which is an Appointed Representative of  First Complete Ltd which is authorised and regulated by the Financial Services Authority. 

 First Complete Ltd is a Registered Company (Registration Number 05416236).  The Registered Address is Newcastle House, Albany Court, Newcastle Business Park, Newcastle Upon Tyne, NE4 7YB. 

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