SPECIALIST ADVICE
Life insurance
Life insurance can provide a lump sum or regular benefit if an insured person dies during the policy term. Cover should reflect the mortgage, family needs, existing benefits and budget.
Help protect the people who depend on you
Life insurance can provide a lump sum or regular benefit if an insured person dies during the policy term. Cover should reflect the mortgage, family needs, existing benefits and budget.
Mortgage cover
Align cover with an outstanding repayment or interest-only mortgage.
Family protection
Provide funds for living costs, childcare, education or other ongoing needs.
Level or decreasing
Choose a benefit shape that reflects the liability and purpose of the policy.
Trusts
Consider whether placing eligible cover in trust may help the benefit reach intended recipients.
Life insurance FAQs
How much life cover do I need?
That depends on debts, income needs, dependants, existing workplace benefits and what you want the policy to achieve.
Will medical questions be required?
Usually. The insurer may also request a GP report, nurse screening or medical examination depending on the application.
Does life insurance always pay out?
Claims are subject to the policy terms, exclusions and accurate disclosure during the application.
YOUR SMART MORTGAGES CONTACT
Discuss your plans with the right adviser.
Your mortgage adviser can arrange a protection review alongside the mortgage journey.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Commercial mortgages, bridging finance and some buy-to-let arrangements are not regulated mortgage contracts. Smart Mortgages Limited is authorised and regulated by the FCA, reference 912358.