Life Assurance

Fortunately for a very low cost we can rest assured in the knowledge that whatever happens, whenever it occurs the only thing our family have to cope with is the tragic loss of a loved one.

At Heritage we highly recommend that you take out a Life Assurance policy to cover either your existing or new mortgage and to protect your family by ensuring that your surviving partner can to pay off the outstanding mortgage and to continue their lifestyle without the added financial burden imposed in the event of your demise.

You can choose to either have a Term Plan, where the sum assured remains the same throughout the whole term of the policy, or a Decreasing Term Plan, where the sum assured reduces in line with the outstanding amount of your mortgage each month.

Term Assurance automatically includes:

Terminal Illness Cover - the sum assured will be paid out if the Life Assured is diagnosed as suffering from a terminal illness and is eligible to claim (for example when life expectancy is less than 12 months). This does not apply to the last 18 months of the term of your plan.

Premiums can start as low as £5 per month, dependant on age/gender/smoker/non-smoker/medical conditions. Cover can also be obtained for a maximum term of 40 years, up to your 80th birthday.

You don't have to take out a mortgage with us to benefit from our highly competitive insurance deals. We will be happy to help you find the right life assurance deal to suit your individual requirements. You can get a free initial meeting/consultation by calling today on 01483 531025 or email them at admin@heritageima.com leaving your contact number and we will call you back.

Life Cover (non-investment) and income protection-The plan will have no cash value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.