Life & Financial Protection for Individuals

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Delivering peace of mind to you & your family in the event of death, if you are too ill to work, or if you are diagnosed with a critical illness.

Income Protection

  • supplementing your Income if you are too ill to work
  • Protects your lifestyle by covering your monthly outgoings

Mortgage Protection

  • Provided for the term of the mortgage and a decreasing benefit to cover the outstanding mortgage balance
  • Pays a Tax Free Lump sum in the event of death to allow you to pay off the mortgage or protect your family’s financial future

Level Term Insurance (Life cover)

  • Provided for a specific period and at a constant (or increasing) level of benefit
  • Tax Free Lump sum or income to family in the event of death
  • Pay off the mortgage or provide for the family
  • Variable benefits and payment terms

Critical Illness

  • Providing a Tax Free lump sum in the event that you are diagnosed with a critical illness
  • Pay off your mortgage
  • Pay for a major operation
  • Or receive a monthly "Family Income Benefit" to pay the bills
  • Available to repay major borrowings
  • Variable benefits and payment terms

Family Income Benefit

  • Providing an income for your family in the event of your death

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At Chase Templeton we will review your family's needs to give you peace of mind knowing that you are covered for every eventuality. We will give you access to the whole market, offering you affordable products to meet your individual budget.

There are many different types of life cover available however the most popular are listed below. The main purpose of life cover is to provide a sum of money to your family in the event of your death.

When you take out a life cover policy, you will be able to select the level of cover that you require. The premium will reflect this, as well as your age, sex, and health history. So long as you maintain your premiums, the benefits will be paid out tax-free (in most cases) on your death. You can take out a policy on your own life, or with your partner. You may also combine some forms of life cover with critical illness cover.

If you already have a policy in place, are you paying too much?

The answer is probably "yes".

Why? Because premium rates have dropped substantially over the past few years and it is extremely unlikely that your insurer will have adjusted your payments.

You may not have benefited from a full comparison of insurance company premiums at inception of the policy.

To find out more about Life and Financial Protection, phone us free on 0800 018 3633 or complete our enquiry form.

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