Life Insurance at Town & Country
At Town & Country we pride ourselves not only on helping you to get the best deal on your mortgage, but also on ensuring that you and your mortgage are properly protected.
Our life insurance advice is completely free – our expert advisers will look at your circumstances and requirements and match the most suitable policy to you, your family and your budget.
We have access to the UK's leading insurance companies and competitive premiums on policies such as life insurance, critical illness cover and income protection – providing you and your family with peace of mind at a price that suits you.
*Prices given are correct as of 06/07/2017 and are for £150,000 worth of level cover over 25 years. Price quoted is for a 25 year old non-smoker. The cost of cover may vary according to your personal circumstances
Our advisers are available 7 days a week – for a free, no-obligation review.
Call us now on 0800 32 88 680 or request a call back.
Term assurance policies do not have a surrender value or impose penalties for cancellation. They will provide you with the cover set out under the terms of the policy, so long as you pay the premiums – if you stop paying the premiums, the cover will stop too.
If you are thinking of changing policies, make sure you are not reducing the quality of your cover – check that any new policy gives you the same amount of cover for the same period of time. Are the premiums guaranteed? If it’s a critical illness policy, are you covered for the same range of illnesses? If you are in doubt, speak to an adviser. If all that looks ok, then you can certainly switch to a cheaper policy, but make sure that you never cancel an existing policy before the new one is up and running.
Critical illness policies are a lot more complex than life insurance, as there are certain illnesses that are covered and some that aren’t. There are two main reasons why a critical illness policy would not pay out: firstly the claim does not meet the insurer’s criteria and secondly, information given by the customer when they applied for the policy was inaccurate or incomplete.
At Town & Country we are very aware of this issue and want to make sure that our clients can feel confident in the cover they take out through us. We regularly review the claims history, service and illness definitions of the major life insurance companies to ensure that you get the best cover. We also give you the opportunity to complete your application over the phone, so as long as you are open and honest, we’ll make sure that all the information is accurate and complete.
It is never a good idea to delay these things, when you have established you have a need for protection, the best thing to do is to get the cover in place as soon as possible as you never know what is around the corner.
Insuring yourself if not like insuring your home or car, it is not generally instantaneous, and particularly in the case of critical illness can require GP reports and thorough underwriting, all of which takes time. If you need cover for a set date, like the start of the mortgage or the birth of a child, it is a good idea to make sure it is underwritten as soon as possible, in most cases if it does get underwritten more quickly it can simply sit and wait until you choose to put it in force.