Life & Family Insurance

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We can cover:

LIFE INSURANCE

Your mortgage is probably the biggest financial commitment you will ever make, so it is wise to protect yourself and your family, life insurance is a vital part of your home financing package, so it is important to choose the right policy for you.

The main options are:
LEVEL TERM: Insurance where the amount of cover remains the same for the full term of the policy. The premium remains constant.

DECREASING TERM: Insurance where the amount of life cover reduces every year in line with the outstanding amount on a repayment mortgage. Again the premium remains the same.

INCREASING PROTECTION: Where the amount of life cover increases against the annual Retail Price Index. In this case monthly premiums would increase also.

In addition CRITICAL ILLNESS cover can be added to either of the above policies which means that the policy would pay out a lump sum if you are diagnosed with one of the specified illnesses or disabilities.

INCOME PROTECTION

An income protection plan can help protect your income and make sure that money is there when you need it most, it can provide you with a regular income if you are unable to work through accident or sickness. You receive regular payments whilst you remain incapacitated / you can insure up to 50%of your gross income / premiums can be guaranteed or reviewable / available up to 65 years of age.

ACCIDENT SICKNESS & UNEMPLOYMENT INSURANCE

Provides you with an income should you be unable to work due to redundancy sickness or accident subject to certain conditions:

You must be in full time employment working and living in the UK
You must be over 18 and under 65 years of age
Waiting periods of 30 / 60 / 180 days are available before claiming benefit
You can claim for a 12 to 24 months period depending on the insurance company
The monthly benefit cannot exceed your monthly mortgage payment plus 33%

TRAVEL INSURANCE

Being unwell abroad is for most people an inconvenience but if you have to see a doctor or worse, go into hospital, you might incur a significant expense.

Our travel insurance policies cover: Medical Expenses / Repatriation Costs eg. Air Ambulance / Baggage and Valuables / Money / Passports / Liability for Injury or Damage to Property Travel Delay

We arrange both single trip cover or annual multi-trip cover.

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Please Download & Print Out Our Initial Disclosure Document (IDD) Registered Office: Compass Insurance Services, Magnolia Cottage, Salperton, Cheltenham, Glos, GL54 4EF – Phone: 0800 0852 918 - Compass Insurance Services is authorised and regulated by the Financial Services Authority and is entered on the FSA register under FSA reference 301742 - The FSA Register - The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.