#decreasing term

What is Decreasing Term Life Insurance?

Most consumers are very familiar with term insurance products, but what most people aren’t aware of is the specific types of term life insurance such as decreasing term insurance, level term insurance, and annual renewable term insurance.

In this article we will go over the pros and cons of decreasing term life insuranceand when you should consider…

Putting a number on the value of advice

Royal London, in conjunction with the International Longevity Centre recently put a number on how much financial advice is worth to those who receive it. Here, Tom Dunbar elaborates on the findings of that research…

There are many myths and misconceptions around financial advice: some say it is only for high net worth people while others believe…

A Simple Guide to Term Life Insurance

Term life insurance is a basic, cheap, and relatively easy concept to understand. It can provide a death benefit with a stated premium that is a guaranteed level for the term period selected. Therefore, it is an excellent choice for the most consumers.

Just as the name suggests, a term insurance policy is usually meant for a specific span of time, which could range from a year to 10, 15, 20 or…

Life Insurance and Family Protection

Family Protection & Life Insurance

Life insurance is one of the pillars of personal finance, deserving of consideration by every household. I’d even go so far as to say it’s vital for most. Yet, despite its nearly universal applicability, there remains a great deal of confusion, and even skepticism, regarding life insurance.

Perhaps this is due to life insurance’s complexity, the posture of…

Critical illness – the heart of the matter

Critical Illness

It’s a testament to modern medicine that a whopping 70% of people in the UK who suffer a heart attack now live to tell the tale. Of course this is an encouraging statistic and many go on to find a new lease of life after the initial trauma. And it’s precisely this that makes critical illness insurance more vital than ever.

After living through a heart attack, many people’s…

Life Insurance 10 things you need to know

Life Insurance 10 things you need to know Life Insurance Life insurance is one of the pillars of personal finance, deserving of consideration by every household. I’d even go so far as to say it’s vital for most. Yet, despite its nearly universal applicability, there remains a great deal of confusion, and even skepticism, regarding life insurance. Perhaps this is due to life insurance’s…

Is it time to review your life insurance requirements or do you even have the correct cover in place ? We will try to explain the different types of life insurance that are available.

Getting the right advice.

We also offer free quotations on the following types of life insurance or if you would like impartial advice why not talk to us on 0161 702 0301 or click here for an advisor to contact you.