Articles

What To Do When Someone Dies?

No one wants to talk about death or is ready for the death of a family member, friend, or colleague. Death can occur suddenly due to a pandemic an injury, suicide, accident, or murder. It can also be expected, from old age, or from an incurable illness such as cancer. Losing someone you love no …

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The Top 5 Places to Scatter Ashes in the UK

When the life of a loved one has come to an end, its time to lay the remains to rest with respect and dignity. Many people opt for cremation which is cheaper and more efficient than burial. It also gives you more options in terms of where you choose to be the deceased person’s final …

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Life insurance or Funeral Plan

Financially planning for the future is always a good idea. When it comes down to it, the insurance market is swamped by a plethora of products that you may feel you ‘have to have’. However, no matter what the salesperson says, it comes down to choosing the product which is right for you. In this …

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How To Arrange A Funeral

The loss of a near and dear one creates a void in our lives and leaves us overwhelmed with emotions when we reminisce about the memories made with that person. We understand that you are weighed down by grief due to the personal loss you have suffered but you have to arrange a funeral for …

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How Much Does A Funeral Cost?

The cost of funerals in the UK has been on the increase for some time now. It is no longer cheap to bury or even cremate a loved one. It is a stressful time for all of the family, and it is often tempting to contact a funeral director and let the funeral service take …

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Funeral Ideas

The notoriously prude UK public is starting to lighten up a little. Death is not something that we’ve been comfortable talking about, but this is changing. The UK seems to have gone a bit American and we are beginning to see funerals as ‘end of life celebrations’ as our friends across the pond call them …

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Different Types Of Funerals

Funerals are the oldest ceremonies know on earth. Since ancient times, every culture had a unique way of celebrating their loved ones. The beliefs determined the type of funeral one would get. Even in the modern world, funerals are big business, and many institutions provide funeral services. Every funeral is influenced by the religious and …

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Cremation or Burial?

Never an easy subject to discuss, but understanding the differences between a cremation and a burial is important. When a loved one dies, we must decide, among other aspects, the type of burial that we will give them. Cremation or burial are the two possibilities that funeral homes offer us to be able to dismiss …

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A Checklist for Planning a No-Fuss Funeral

No one jumps at the chance to talk about death or funerals and discussing burial expenses is less appealing. Yet, when you lose your loved one, you will have to plan their funeral. The whole venture can be draining and overwhelming. Learning how to plan a no-fuss burial will guarantee you have a simple plan …

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What Is An Underwriter?

An underwriter decides if approving a large purchase, issuing a loan or an insurance policy to an applicant is feasible and doesn’t put the financial institution backing the loan or insurance policy at unnecessary risk. The company or an individual who provides underwriting services takes a financial risk for a premium, commission, spread, or …

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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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