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Life Insurance

Get a quick, free, no obligation Life Insurance quote here life insurance application form below

What is Life Insurance?
Life Assurance companies offer two forms of Life Insurance or Life Cover as it’s sometimes called.
The two types are Term Assurance and Whole of Life insurance.
1. A Term Assurance policy will pay a cash lump sum (tax free) should the policyholder die during the fixed term of the policy.
2. Whole of Life insurance is basically what it says, it is insurance for the whole of the policyholders life.

What can Life Insurance do for you?
The benefit of having Life Insurance is based largely on your financial circumstances with regards to your dependents as well as peace of mind for yourself. Peace of mind knowing that should you die, with Life Insurance, your surviving partner or dependents can have an income or pay off a debt such as a mortgage.
Do I need life insurance?
Only you can decide whether you need Life Insurance but in the main, most decisions are based on whether surviving relatives or dependents would suffer financially in the event of your death.
For many policyholders, having Life Insurance in place provides comfort in the knowledge that should they die, especially if they are the main earner in the family, the surviving dependents will have some money to take care of them.

How does Life Insurance work?
Term Life Insurance Policies will provide a tax free cash lump sum if you should die during the fixed term policy period.
Whole of Life Insurance policies will pay out in a series of payments which again are tax free. Both methods of payment can be spent or put to use how you choose.

How much Life Insurance cover should I have and how much would it cost?
There are a number of factors determining how much your premiums would be and for how long, in terms of fixed Term Assurance life insurance, you would take out a policy for. Some factors are, whether male or female, age, how long the policy is to be for, your health and if a lump sum is required, how much, are all important when calculating premiums.
Generally, for Term Assurance, insuring your life for between 5 & 10 times your net annual salary is the norm. Most Life Insurance policies are taken out for between 10 & 25 years.

Would I be able to increase my cover due to inflation?
Most people find that as they grow older, their liabilities wane and therefore they can afford to lessen the amount of cover required. However, both term assurance life insurance and Whole of Life Insurance can be index-linked to inflation.
Premiums for Term Assurance policies can be guaranteed for the full policy term but generally, Whole of Life policies are only guaranteed for 10 years but recently some of these have guaranteed premiums for life.

More Life Insurance questions?
Should you require any more information about Life Insurance, call us on 0800 068 5801 and our helpful, knowledgeable and polite staff will be only too happy to help

Life Insurance Application Form

We are only able to process applications from mainland UK - apologies for any inconvenience.
* Mandatory fields

Life Assurance form.
This form has been designed to evaluate your comments to provide you with the quickest response

When we receive your application one of our Customer Service Team will send you a FREE NO OBLIGATION quote and call to ensure that you fully understand the details.
It is then your choice to continue with us or keep the quote for comparison.
* Mandatory fields

	Life Assurance Form
Who is the quote for:	Myself Myself & Partner *
Title:	*
Forename:
Surname:	*
Address (1st line):	*
Address (Town):
Address (County):
Address (Postcode):	*
Daytime phone number):	*
And/or evening number :
And/or mobile number :
Email:	*
Are you:	Male Female *
Have you smoked in last 12 months:	Yes No *
D.O.B (dd/mm/yyyy):	*	*	*
How long do you require cover for:	years *
How much cover required:	£
How would you like to pay:	Monthly Annually *
If cover is to protect a mortgage debt:	Yes No - is the mortgage a 'repayment' version?
If so, do you need cover that reduces as the debt reduces:	Yes No *
Would you like a quotation for critical illness cover? (Critical illness cover pays out on diagnosis of a serious illness) :	Yes No *
Do you require payment protection cover for your policy:	Yes No *
What is your occupation?:	*
If you would like any additional quotations, please enter your requirements in this box:
If you state a financial association with another person, you declare that you are entitled to provide information about your joint applicant and anyone else you mention. You also declare that they authorise us to search, link and/or record information about them at credit reference agencies . You agree to your application being discussed with either applicant.

When you ask us for a Life Insurance quote, we search multiple companies to present you with the best options available in the UK. Our policy is to ensure that our life insurance quotes are always as cheap as possible. However, if you have already obtained what appears to be a lower quote elsewhere within the last 7 days for a like-for-like policy, then just send us a copy of the quote and we guarantee to beat it.

All loans are subject to status. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Written quotations upon request.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.
Special plans on different terms for clients with CCJ's arrears, and for the self employed without income proof.
Our fee's average at 2.5% and are based upon the value of your property, with our minimum fee being £1250.00.- no loan no fee.
All loans subject to status in the UK to home owners aged 18 and over and may be secured on property.
Written quotations available on request. Other terms and amounts available.

If you are seeking a mortgage or loan, then either you or Vesta Money Ltd must first make a formal application to an appropriate mortgage or loan lender, who will consider your application in accordance with their own lending criteria. Mortgage loans are normally subject to a formal valuation of the property and subject to status.

This website is a marketing service designed and operated by Brookedan Security Ltd and all mortgage or remortgage applications are sent to, received by, and processed by, Vesta Money Ltd (Authorised and Regulated by the Financial Services Authority.)
©Brookedan Security Ltd registered office c/o Hacker Young 51 King Street Wrexham LL11 1LA Reg. no. 3934568