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Your Life Insurance and Income Protection Quote

1 Policy Requirements

COVER AMOUNT...

Life Insurance and Income ProtectionLife Insurance is typically linked to the value of a mortgage to help protect immediate family members and other dependents from financial hardship, but the value can be set for a higher amount to provide additional funds to cover on-going living expenses or other liabilities like loans or credit cards (provided that these are not already covered by existing insurance).

COVER TERM...

Life Insurance is typically linked to the duration of a mortgage to help protect immediate family members and other dependents from financial hardship, but the term can be set for any number of years up to the policyholder's 70th birthday. The typical period of cover is 10-25 years.

COVER TYPE...

Decreasing Cover is 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.

Level Cover provides a one-off tax-free lump-sum payment in the event of your death. The amount of cover stays the same for the duration of the policy.

Indexed Cover is where the amount of money the policyholder has been insured for increases with inflation throughout the term of the policy.

Monthly Income Required...

Typically you can insure up to 70% of your gross income, whether an employee or self-employed, and at this level you should be able to maintain your current lifestyle. The monthly pay-outs if you make a claim are tax free.

Waiting Period

This is the period of time you have to be out of work before any claim will be paid. The greater the waiting period, the more your monthly insurance premiums will reduce.

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What is your Job Title?

Occupation Type

Occupation type is an important part of the underwriting process.


What is your date of birth?
You

Just so you know, for this amount of cover for a year old some insurers may require extra information from your Doctor (the age used is that of the oldest applicant).

2 Health & LifeStyle

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3 Personal Details

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With over 100 protection products in the UK market, it makes a lot of sense to speak to a qualified adviser to find the best policy for your personal circumstances.

They can also help you get cover much quicker and easier than going online, especially if you have any health issues. And they have access to all the best deals in the market, most of which you won’t find online.

They can even fill out the application form for you!

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Need help? Call on 0333 987 3960

The telephone service is provided in partnership with BL Protection a trading style of Tuto Money Ltd, authorised and regulated by the Financial Conduct Authority under FCA number 492514. The quotation service is provided by an FCA-authorised insurance specialist