Do I need life insurance?

Help cover costs at difficult times

Life Insurance

What is it?

 

A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one-off lump sum if you die during the policy term.

 

With some term insurance policies you can add additional options, for instance, critical illness cover. If you do add on critical illness cover, the plan will pay out once on the diagnosis of a qualifying critical illness or if you die during the term of the policy.

 

Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum. Term assurance 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. As advisors, we can help you find the plan that best meets your requirements.

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 Heights Mortgages Ltd is an appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance, and consumer credit mediation activities only. Registered address; Unit B, 16 Holder Road, Aldershot, Hampshire, GU12 4RH. Registered in England & Wales under number 11391322.

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We always aim to provide if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.) high-quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (http:/financial-ombudsman.org.uk/consumer/complaints.htm). You may be able to submit a claim through the  EU Online Dispute Resolution Platform (https://webgate.ec.europa.eu/odr/main/?event=main.home.show)