Welcome to Life Insurance
Life insurance tends to be for many the most important type of insurance because losing the family bread winner can be the most devastating of losses not only from the emotional turmoil but when it comes to facing the everyday things.
It is so important to get your cover right read all the small print and make sure everything you are likely to need in such a crisis is in place.
Nobody wants to consider the loss of a loved one  considering it could never happen to you could be a huge mistake.
Life insurance takes some considerable planning
you must decide on the amount of income needed to sustain your lifestyle and it must be within your budget.
once decided on the cover required you must shop around for the best policy at the most affordable premium.




Term Life Insurance

Term life is simple, cheap and provides the largest cash benefit for your pound/dollar but does not accumulate cash values. A specific lump sum is paid to the policyholder upon death and is sold terms of 5, 10 or 20 years. Your monthly premium will remain fixed throughout the tenure of your term. To make it simple, the death benefit and the term policy limit are the same, which means a £100,000 policy pays a £100,000 death benefit. Some term life policies are renewable for an additional term or more, but your premium will be higher every time you renew. This kind of policy can be converted to a permanent policy at any time prior to age 75.


Permanent Life Insurance

Permanent life insurance provides death protection for as long as you live. The premiums rarely change and guaranteed cash values can allow you some flexibility in case of emergencies.

  • Whole life insurance

    The primary advantages of whole life are guaranteed death benefits and cash values, fixed annual premiums and any mortality or expense charges will not make the cash value lower within the policy. It also has non forfeiture benefits so you do not lose or forfeit the policy when you stop paying premiums.

    The disadvantages are premium inflexibilities and very low interest rates.

  • Variable life insurance

    Variable life insurance provides stable death benefit protection and is the type of life insurance with account flexibility for the more risk-oriented policyholder. It offers low-risk, tax-free cash accumulation through the investment of the cash value amount. The return from this investment is usually promised to be on higher side and is variable.

  • Universal life insurance

    Universal life insurance is more flexible with separate accounts. The investment portion of your universal plan will be invested in a money market account whereas the cash value portion will be placed into an accumulation fund. Apart from the regular death benefit, it allows you to earn market rates of interest on your cash value account and the right to borrow or withdraw from the policy during your lifetime.

  • Universal Variable life insurance

    Universal variable life insurance offers more features than any other and gives you more control of cash value account. It offers premium flexibility, low-risk tax deferred cash value options and separate accounts for you to invest in. (i.e. money market funds, stocks, bonds, etc.)