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You may have a mortgage, that you’d like paid-off to protect your dependents so they don’t have to take on the cost on their own. For example, it might be that the mortgage repayments would be unaffordable without your salary after you’re gone.
If you have loans and other debts, such as car finances, store cards, credit cards; a life insurance policy can be used to cover these outstanding debts to avoid the cost being passed over to family members.
The cost of bringing up children can be expensive and if you or your partner were left to do this on their own, it might not be affordable and so could jeopardise the future or lifestyle of your family. By taking out life insurance, you can protect your children and potentially set them up for their adult life.
Funerals are another main reason you may consider taking out a life insurance policy. Funerals can be an unexpected costly surprise to your family, which they may not have budgeted for or have the funds to cover. By having an insurance policy in place, you can leave enough to cover these costs for your family.
Level term life insurance is a policy that pays out a fixed amount of cover if you die during the time frame (term) agreed. The premiums (monthly payments) are also fixed for the length of the policy.Find out more
Decreasing term insurance is another type of 'term policy', but the premiums and pay-out reduce each year the policy is active. The pay-out will only be made if you die during the agreed term. Decreasing term insurance is also referred to as mortgage protection insurance, as it's frequently put in place to cover the outstanding mortgage balance. As the mortgage balance reduces with your repayments, the amount of cover needed also reduces.Find out more
If you are over 50, you will be eligible for an over-50s life insurance policy. These are generally smaller premiums and pay-outs than term insurance policies, used to cover the costs of a funeral instead of the mortgage. You won’t have to answer any questions to be accepted for an over 50s plan as acceptance is guaranteed with most providers.Find out more
Whole of life is exactly that, you have a life insurance policy that is set for the rest of your life as long as you continue to pay towards the plan. This means your family will receive a pay-out when you die, no matter your age.Find out more
If you pass away suddenly by accident or an unexpected illness (heart attack, stroke or cancer) you will likely be covered, but it’s always important to confirm the terms with the life insurance broker and the terms and conditions you sign.
You may not be covered if you have a dangerous job or have died in a dangerous sport. Most insurers will also not pay-out if you have died due to suicide, alcohol abuse or drug abuse.
You should be able to change details on your policy. You will need to contact your broker or the insurer to do this. It might impact the monthly premiums, depending on what change you wish to make.
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.