 Family Secure specialise in LIFE INSURANCE and insurance that provides GUARANTEED INCOME for a family following the death of their main income earner.
Life Insurance
at a price it's hard to beat anywhere !
How Do We Do It?
We've teamed up with Moneynet who have a panel of life insurance brokers. They have agreed to compare the prices offered by a range of insurers to find you a really cheap deal. Prices you'll find it hard to beat absolutely anywhere. And if by any chance, you do come across a like for like quote that's cheaper, why not see if they can beat it!
Getting the Help you Need.
On this site we've answered the questions most people ask. But your best bet is to speak to the life insurance broker when he,or she, calls you back with your quote. They can assist you with any question you have. Once you've submitted your details, they'll phone you back within 24 hours and quote you an amazing price.
Life Insurance for your Mortgage.
Do you know what you need? There are several alternatives open to you depending on whether you have a Repayment Mortgage or an Interest Only Mortgage. To explore the possibilities, look at our Mortgage Life Insurance FAQ's below and have a chat with your life broker.
Critical Illness Insurance can be added to your Life Insurance policy.
Usually the cheapest way to buy Critical Illness Insurance is to add it to your new life insurance policy. Critical Illness Insurance pays out a tax fee lump sum if you contract any of a long list of serious illnesses listed on the policy. The insurance industry has estimated that as many as 1 in 5 men and 1 in 6 women will suffer one of the insured illnesses before their normal retirement age.
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How does the GUARANTEED INCOME Insurance work?
Basically, you take out a Family Income Benefit insurance policy for as long a period as you can afford or think necessary. Then, if the policyholder dies whilst the policy is in force, the Guaranteed tax free income is paid to your family.
The income continues until the Family Income Benefit policy reaches its' expiry date at the level you specified when you took out the policy. The income can even be scheduled to rise `in line with the cost of living. That's called Index Linking .
Can both the family's income providers be insured?
Yes. No problem. A “Joint” policy would start paying the income if either of you died whilst the policy is in force. But these Joint policies only pay out one set of income in respect of the first person to die.
If you want two separate sets of insured income to potentially replace both incomes coming into the family, then you would need to take out separate policies for each person.
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