Over the past few years many forms of insurance policies have reduced in price especially life insurance. If you have a life policy which is over 3 years old it is likely you can either reduce the premium you are paying or increase the benefit for the same monthly cost. Click on the links below to download our helpful expert advice guides that will let you find out how you can protect either you and your family, your mortgage, or your business.

Protecting Your Future, a beginners Guide - PDF
According to Norwich Union, apathy is leaving 20 million adults at risk because they have no life cover or income protection. It is a sad fact that whilst most of us are quite happy to insure our car, our house and our travel arrangements to their full value, few of us take quite as much care over our health and loved ones.

What is Level Term Assurance - PDF
The name gives it away. Its term assurance, as you only get a pay out within the set term e.g. 18 years. Its level, because the pay out you get is always fixed. Level term assurance thus guarantees a lump sum pay out upon death within a fixed time e.g. £150,000 if you die within the next 18 years. Its the one policy you hope will not pay out. This document explains more.

What Is Whole Life Assurance - PDF
With Whole Life Assurance, for a given premium, a wide range of benefits are available. The premium is split between providing for the insurance required now and investing into the insurance company funds in order to subsidise the cost of the cover in later years. Click the link above to read more.

What Is Mortgage Life Assurance - PDF
Mortgage Life Assurance is designed to pay off the remaining mortgage debt on repayment mortgages if you die within a set period. It ensures your dependents need not worry about repaying the mortgage if you die. For more information click the link above.