Life
Insurance, Mortgage
Protection and Critical
Illness Quotations.
If
you.. require advice on the type of life or critical illness
policy which best suits your needs please Steve May.
If
you.. would like an online
quote for life insurance, term assurance, mortgage protection
or critical illness cover please click
here . You will be taken to our short quotation form which on completion
will allow you to obtain a full quotation including illustration, key
features and application form within minutes.
If
you.. would prefer us to research the life assurance market
for you please complete our full quotation
request form and Steve May will
contact you by e-mail or telephone within 24 hours.
Level
Term Assurance | <<
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Pays
a guaranteed lump sum if you die during the term of the policy, (the
time you have selected the policy to run)
Pays
a guaranteed lump sum if you are diagnosed as suffering from a terminal
illness. Subject to individual insurers conditions, please see key features
documents for full details.
Pays
a guaranteed lump sum if you are diagnosed as suffering from a specified
critical illness during the policy term. (If this option is selected
at outset).
If
you do not pay regular premiums throughout the policy term the policy
will end. There
is no cash-in value with this policy and no amount will be payable to
you at the end of the policy if you do not claim.
Mortgage
Protection |
<<
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This
type of policy is intended for use with a repayment mortgage and;.
Pays
a lump sum if you die during the term of the policy, (the time you have
selected the policy to run)
Pays
a lump sum if you are diagnosed as suffering from a terminal illness.
Subject to individual insurers conditions, please see key features documents
for full details.
Pays
a lump sum if you are diagnosed as suffering from a specified critical
illness during the policy term. (If this option is selected at outset).
The
sum assured decreases in line with the outstanding mortgage amount,
and will be sufficient to pay off the outstanding mortgage amount in
the event of a claim provided;
The
interest rate is under *10% per annum when you take out the policy.
* Please see individual insurers key features documentation for accurate
figure as this may vary.
Your
mortgage payments are up to date.
The
amount and term of the mortgage do not change.
The
amount of the mortgage does not exceed the sum assured at outset.
Critical
Illness | <<
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If
you select critical illness cover, upon the diagnosis of a specified
critical illness it will either;
pay
the guaranteed sum assured on a level basis or;
the
outstanding amount on a repayment mortgage if selected with a mortgage
protection policy.
Examples
of the types of illnesses most insurance companies pay out for are below
| Cancer |
Dementia
and CJD |
| Heart
Attack |
Parkinson's
Disease |
| Multiple
Sclerosis |
Loss
of Hearing |
| Stroke |
Motor Neurone Disease |
| Kidney
Failure |
Loss
of Speech |
| Heart
Surgery |
Alzheimers
Disease |
| Major
Organ Transplant |
Loss
of Sight |
| Benign
Brain Tumor |
Loss
of Independent Existence |
| Paralysis
|
Total
Permanent Disablement |
| Severance
of Limbs |
Aids
/ HIV |
| Severe
Burns |
Coma |
|
|
Note that not
all insurance companies pay out on these conditions, please see the
individual companies documentation for a full list of conditions.
If you are having difficulty filling in the quotation request
form or you require any further information
please telephone our help line on 01582 766677 or
E-mail Steve May by
clicking here
(stevemay@hicks.co.uk).
