Our UK based staff provide a dedicated service to deal with all your life insurance queries
Yes, we offer two different types of mortgage life insurance:
Mortgage Term Assurance - designed to help pay off your interest only mortgage if you die during the length of your policy.
Mortgage Decreasing Term Assurance - designed to help protect a repayment mortgage as the amount of cover reduces roughly in line with the way a repayment mortgage decreases.
If you want the policy to specifically cover your mortgage, you may want to match the amount of cover you choose to your mortgage amount., rather than the value of your house.
However, you may want to cover your mortgage amount and leave an extra lump sum for your loved ones. If you need any help in deciding how much cover you need please contact a financial adviser.
Level Term Assurance and Mortgage Term Assurance work in exactly the same way. Level Term Assurance is usually taken out for family protection and Mortgage Term Assurance is taken out for mortgage protection. They are both designed to help pay out your chosen amount of cover if you die during the length of the policy.
Mortgage Term Assurance comes with two added benefits at no extra cost:
SmoothMove - a 24-hour moving day rescue service to help with emergencies on moving day and offers services such as car recovery, hotel accommodation and legal advice. SmoothMove is provided by Inter Partner Assistance, one of the largest international emergency assistance groups.
Free life cover - we offer free life cover between exchange of contracts and completion of your property purchase. In Scotland we provide the free cover from when you complete missives for your chosen property until the date of entry.
You must be a UK resident and at least 17 years old (if age 17, the plan must be written in trust) at the time of applying.
Yes, you can add Critical Illness Cover at an additional cost when setting up your life insurance policy. Your policy will pay out on your death or on diagnosis of one of our specified critical illnesses during the length of the policy. It also pays out if you are terminally ill and you meet our definition, except in the last 12 months of the policy. Learn more about Critical Illness Cover.
Terminal Illness Cover is included on our policies at no extra cost (minimum term of two years). It could pay out your chosen amount of cover if you're diagnosed with a terminal illness and have a life expectancy of 12 months or less, rather than on death. Providing financial support at a time when it could be needed the most.
Critical Illness Cover is available when you buy your life insurance at an additional cost. It's designed to pay out your chosen amount of cover if you're diagnosed with one of our specified critical illnesses during the length of your policy.
Read more about Terminal Illness Cover
Read more about Critical Illness Cover
Yes, our mortgage life insurance policies can be placed in Trust. Putting your plan in Trust can help protect your beneficiaries from inheritance tax or helping to avoid probate.
Use our Online Trust Hub to help you choose the right type of Trust for you. You can even enter your details online so the Trust form is ready to be printed and sent back to us.
We recognise that sometimes your protection needs change so our policies allow you to make certain changes, giving you the freedom to:
We also offer 'Joint life separation'. This allows a joint policy to be split into two new single policies if a couple divorce, dissolve their registered civil partnership or change a joint mortgage into one name.
After applying for cover you will receive a 30 day cancellation notice which you must send back if you decide not to continue with the policy.
If you cancel within 30 days we will return any premiums paid. If you cancel after 30 days you won't get anything back.
Please remember that these policies are not savings or investment products and have no cash value unless a valid claim is made.
If you took a policy out online with Legal & General or provided a promotional code at the time of sale you could be eligible to receive a free gift. Terms and conditions apply.
Placing your life insurance policy in trust can also help protect against Inheritance Tax. Visit our Trust Hub for more information.
We have a Defaqto five star rating for our Critical Illness Cover product.
We have a great range of insurance products to offer you, such as Home, Car and Pet Insurance.