Ryburne Brokers Independent Insurnace Brokers Ryburne Brokers Independent Insurnace Brokers
Ryburne Brokers Independent Insurnace Brokers Ryburne Brokers Independent Insurnace Brokers
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Life Assurance

We can provide advice and quotation on the following:-

Level term Assurance

This is life assurance taken out over a specific term, ie usually 5-35 years to provide basic life protection over a specific term. Policies can be taken out in single names, or joint names. This is typically used for family protection or business protection. ie key man or shareholder protection

Level Term Assurance with Critical Illness

This is the same as term assurance, except that the policy also pays out on diagnosis of a range of specified critical illnesses.

Mortgage Protection Assurance

This is a type of decreasing term assurance. It is designed to provide a reducing form of life assurance to cover the outstanding balance on a normal repayment mortgage, should one of the mortgage holders die within the term of the mortgage. Because the cover is decreasing the premiums are cheaper than level term assurance.

Mortgage Protection Assurance with Critical Illness

This is the same as Mortgage Protection Assurance except that the policy also pays out on diagnosis of a range of specified critical illnesses.

Stand Alone Critical Illness

This policy pays out only on diagnosis of a specified critical illness. It is usually taken out where adequate Life Assurance is already in force.

Whole of life Assurance.

This policy pays out on death, whenever death occurs, subject to the policy being maintained. It is typically used for funeral cost provision or inheritance tax planning. Because the insurers will ultimately have to make a payment if the policy is kept in force, premiums are higher than those for Term Assurance.

Save Money on Existing Cover

If you have existing cover which you bought within the last 10 years, you may be surprised to learn that the premiums for new cover are less expensive today than they were 5 or 10 years ago, even though you are older. This is because premiums for some types of Life Assurance have decreased in recent years. (Please remember you should never cancel existing cover until the new cover has been put in force.)

We have agencies with all the top life assurance companies and software systems which will provide an immediate market coparison of all the insurers we deal with. To get a quote please call 01422 842984.

Please click here to view our key facts document, which provides full details of our range of services.