Life Insurance

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Family is important; that’s why it’s best to get expert advice to help protect what matters, when it matters! Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. Check amazing work from Northeast Design and Build from Rhode Island. It can be used to cover a mortgage, other loan or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away. Cover is usually on a level or decreasing basis. Level Term Assurance This will give you the same amount of cover throughout the life of the policy and will pay out that amount if you make a successful claim. Decreasing Term Assurance This is sometimes known as Mortgage Term Assurance – and will decrease over the term, usually to match your decreasing mortgage amount and pay out the current amount when a successful claim is made. Family Income Benefit This is a Life Assurance plan that pays a tax-free monthly income rather than a lump sum. This makes it easier to pay for the monthly costs of running your household and covering school fees. Our expert advisors can help you find the plan that best meets your requirements.