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Life Insurance

Life Cover
There are 2 types, level and decreasing.


Level Term Insurance
Provides a fixed lump sum payment should you die within a specified period.  You choose the amount of cover you want and how long you would like the policy to run for. If you die during the policy term your insurer will pay the amount you are covered for.


If you set up a joint policy (one policy to cover two people) the amount of cover is usually paid out on the first death.


The policy stops when a claim has been paid. These policies have no cash in value at any time.


Level term life insurance (or assurance) with critical illness
Provides a specified lump sum payment should you die or suffer a critical illness within a specified period.


You choose the amount of cover you want and how long you would like the policy to run for. If you die or are diagnosed with an earlier critical illness during the policy term your insurer will pay the amount you are covered for.


The types of illnesses covered include Heart Attack, Stroke, Cancer and Multiple Sclerosis (the full list of illnesses covered are detailed by the insurers in their key features document which is available on request).


If you set up a joint policy (one policy covering two people) the amount of cover is usually paid out on the first claim.


Mortgage protection cover/ Decreasing Term/Cover Insurance
Providing a decreasing lump sum payment to cover your outstanding mortgage, should you die within the specified period.
You choose the amount of cover you want and how long you would like the policy to run for.


The amount of cover reduces each month during the policy term and is calculated to be enough to equal the capital outstanding under a normal repayment mortgage.


If you die during the policy term your insurer will pay the calculated amount of cover at that time.


If you set up a joint policy (one policy to cover two people) the amount of cover is usually paid out on the first death although this depends on how the policy is set up.



IMPORTANT NOTE: Your home may be repossessed if you do not keep up repayments on your mortgage.



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Premier Choice Mortgages is a trading style of The ER Network Ltd which is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgages Planning Limited which are authorised and regulated by the Financial Conduct Authority. The ER Network Ltd are a limited company registered in Scotland. Company Registration number: SC292243. Registered Office: Suite 4.2 Station House 34 St. Enoch Square, Glasgow, G1 4DF.


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