Life insurance

Life insurance (assurance) – at competitive rates

With John Charcol, you can benefit from competitive life insurance (or assurance) rates, protecting your family and your home with insurance cover.

Life insurance (or assurance)

Protecting your mortgage and your family should the unforeseeable happen is something that provides unparalleled peace of mind. John Charcol has access to competitive rates.

To speak to someone about life insurance (sometimes called assurance) and mortgage protection please call an adviser on 0845 413 1404.

Understanding life assurance

‘Life assurance’ is essentially the same thing as ‘life insurance’. John Charcol offers competitive life assurance from Legal & General.

 Not sure which type of UK life assurance is right for you? Take a look at the options John Charcol offer:

Level term life assurance

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 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.

Mortgage protection life assurance

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 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 assurance with critical illness cover

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 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.

Mortgage protection life & critical illness cover

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 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.

 

To speak to someone about life insurance (sometimes called assurance) and mortgage protection please call an adviser on 0845 413 1404.

 

 

(Title, first name & surname)

John Charcol is a trading style of Towergate Financial (West) Limited which is
authorised and regulated by the Financial Services Authority. Registered in
England No. 02292688. Registered office: Towergate House, Eclipse Park,
Sittingbourne Road, Maidstone, Kent ME14 3EN. Telephone: 0844 346 3711.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR
ANY DEBT SECURED ON IT.