Articles

Why it’s essential to have life insurance

If you are a parent or are about to become one, you may be wondering if having life insurance is something you should consider. Significant life events such as moving or becoming a parent tend to make us think about what we should be doing to protect our family. With so many other outgoings every …

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Reasons To Have Life Insurance

Whether you’re in your 20s or your 60s, taking out a life insurance policy is a sensible move, especially if you have children or family members that rely on you financially. Though nobody wants to think about dying, the truth is that you’re not going to live forever, so life insurance can give you peace …

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Factors That Affect Your Life Insurance

There’s no doubt that a life insurance policy can provide valuable protection for your family and give you reassurance that the people you love most, are looked after if you die. However, there are several factors that can affect the price and level of cover you will be offered. Some of these factors are outside …

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Financial Tools to Consider When You Have Kids

When you become a parent, you suddenly gain a responsibility like no other. Not only are you responsible for yourself but now you are also responsible for a small person who depends on you for everything. It’s a journey that is exciting and scary in equal measures, and you are likely to have a huge …

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Things To Consider When Buying A House

Buying a house is the biggest financial purchase we are likely to make in our lifetime. Whether you are buying your first home or moving to accommodate a growing family, there are many things to consider. From finding the right property to securing a mortgage and all the associated financial products and making sure you …

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Guide: Debt Solutions

According to the Trade Union Congress (TUC), every household in the UK owes an average of £15,385 to banks, credit firms, and other lending institutions. The TUC believes that low incomes, insecure jobs, and poor financial management are the key driving forces of households’ debts. Sadly, big lending corporations are taking advantage of the vulnerability …

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How Much Does It Cost To Make A Will?

For many, planning for their death is not the most exciting thing to do. However, this is a crucial step in modern times as there are plenty of critical decisions that need to be made. A few of the examples include beneficiaries for your accounts, power of attorney appointments, and death planning. The need for …

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Guide On Contesting A Will For UK Resident

A will is a legal document that puts across a person’s wishes on how they would want their property distributed and how care should be accorded to minor children upon their death. It can also spell out conditions on how the wealth or property should be spent. It is meant to guide your heirs on …

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Can You Write Your Own Will?

The decision to write your own will requires a lot of courage, knowledge, commitment, and being thoughtful. You have to research widely and consult wisely and make sure you are making the right decision. In fact, ‘can you write your own will? – is a topic that has been widely debated a lot. Many people …

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Do I Need Life Insurance for a Mortgage?

Do I Need Life Insurance for a Mortgage? Whether you’re in the process of applying for your first mortgage or you’re remortgaging, the chances are that you’re wondering whether or not to take out a life insurance policy. Though there’s no legal requirement in the UK to have life insurance for a mortgage, the truth …

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Because we play by the book we want to tell you that...

1. We understand equity release isn’t for everyone, and we’ll never say it’s the right option for you, that’s why we pass you onto an Expert.

2. A lifetime mortgage is a loan secured against your property. With a lifetime mortgage there are typically no monthly repayments to make as the loan, plus roll up interest, is repaid when the plan comes to an end. Usually, that’s when you, or the last remaining applicant, either passes away or moves into long-term care.

3. With a lifetime mortgage you’ll still retain full ownership of your home.

4. Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits.

5. Mortgage Advice Bureau Later Life offer lifetime mortgage products from a carefully selected panel of providers.

6. Unless you decide to go ahead, Mortgage Advice Bureau Later Life’s service is completely free of charge as their fixed advice fee of £1,295 would only be payable in completion of a plan.

7. ClearKey is an independent marketing website which only acts as an introducer to companies who offer advice on various financial plans, products and services.

8. Our partners are authorised and regulated by the Financial Conduct Authority.

9. ClearKey.co.uk are not authorised to give any advice and we are not liable for any financial advice provided by or obtained through a third party.

10. Life insurance products attract terms and conditions. Price information contained within this website are for illustration purposes only. You will receive a full policy document upon application which will set out the terms, conditions and limitations of cover provided under the plan.

11. Your home may be at risk if you do not keep up repayments. Think carefully about securing debt against your home. When consolidating existing borrowing be aware that extending the term could increase the amount repaid.

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