01
Match cover to its purpose
A mortgage, household bills and a family's longer-term needs may call for different cover. We explain term assurance, decreasing cover and family income benefit so you can understand how they differ.
Protection
Life insurance & family protection
Life insurance advice for your family.
Life cover can help provide financial support when someone dies. We help you think through who depends on your income, what commitments would remain and the type of cover that may suit your needs.
The plan usually will cease at the end of the term. If premiums are not maintained, then cover will lapse.
02
Understand the policy before choosing
The term, amount insured, exclusions and premium basis matter. We explain the cover being recommended and the importance of providing accurate information during the application.
03
Review as life changes
Buying a home or changes to your household can be a useful time to review existing cover. We can discuss what you already have before considering whether something different is needed.
Useful for our first conversation
- Who depends on your income
- Mortgage and other financial commitments
- Existing personal or workplace cover
- A premium budget you can maintain
A brief outline is enough for your initial enquiry. Please do not send identity documents or sensitive medical information through the contact form.
Your questions
Is life insurance the same as critical illness cover?
No. Life assurance pays on death under its terms; critical illness cover pays for specified illnesses meeting the policy definitions.
Should I cancel existing cover before applying?
Discuss existing policies with an adviser before making changes. New cover and its terms should be considered carefully before replacing a policy.
Read more before you decide
Talk through your next step.
Contact the Winwell team in Winchmore Hill.