What is it?

Life Cover, or Term Assurance as it is often known, is designed to pay out a lump sum or monthly income when the person covered dies or is diagnosed with a terminal illness (where life expectancy is less than 12 months) during the term of the policy.

You can choose to have your claim paid as a level lump sum, increasing lump sum, decreasing lump sum, level monthly income or increasing monthly income.

Who is it for?

This type of plan is designed for those who want to leave a lump sum or monthly income in the event of their death within a specified time period whilst keeping the cost to a minimum.

Term insurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage, other loan or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away.

How can we help?

With access to the leading insurers we can recommend the most suitable and competitive policies to fit your bespoke protection solution so providing you with the cover you require at a price that is affordable.

Applying for cover is not always straight forward. Concise will help complete the medical and employment questionnaires, submit the application and process through to acceptance. Often GP reports and medicals can be required so we will ensure these are carried out quickly and with the least disruption possible.

As we will be paid by the providers we do not need to charge you for our professional advice and help.