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Initial Disclosure Document

SAVE MONEY

COMPETITIVE LIFE INSURANCE

FROM LEADING LIFE COMPANIES

Types of Life Insurance Cover

A Life Insurance policy pays out the amount of money the policyholder has been insured for in the event of their death during the term of the policy. It is designed to help protect family and dependents from financial hardship.

Critical Illness offers additional cover to life insurance. It pays out the amount of money insured should the policyholder be diagnosed with having one of the specified Critical Illnesses. The definition of Critical Illness varies with different life insurance company and it is important to know what is covered and not covered before proceeding with a particular critical illness policy. Critical illness is substantially more expensive than straightforward life insurance cover.
The following are an indication of the type of illnesses usually covered in critical illness:

Alzheimer's Disease before age 65

Angioplasty

Aorta graft surgery

Benign brain tumour

Blindness

Cancer (most malignant types)

Coma

Coronary bypass surgery

Deafness

Heart attack

Heart valve replacement or repair

HIV/AIDs (named groups only)

Kidney failure

Loss of limbs

Loss of speech

Major organ transplant

Motor neurone disease before age 65

Multiple sclerosis

Paralysis/paraplegia

Parkinson's disease before age 65

Permanent Total Disability (PTD) before age 65

Pre-senile dementia before age 65

Stroke

Third degree burns

Please complete this simple form and we will contact you to provide you with the most competitive quotations to meet your specific requirements:

Cover type :

Life insurance cover with or without critical illness.

Cover amount £

Life insurance is normally linked to the value of a mortgage to help protect immediate family members and other dependents. However it can be set higher to provide additional funds to cover on-going living expenses or other liabilities like loans or credit cards (provided that these are not already covered by existing insurance).

Cover Terms (Years)

The term is the duration of the life insurance cover. This is usually the same as the duration of a mortgage if the insurance is for mortgage protection.

Level or Decreasing

Level term insurance cover is the amount of money the policyholder has been insured for remains the same throughout the term of the policy. This type of cover is more suitable for an interest-free mortgage where the mortgage outstanding remains constant.Decreasing life insurance cover is normally used to cover a repayment mortgage, where the amount of money the policyholder has been insured for decreases as capital is paid off the mortgage

Premuim Type

A Guaranteed Premium refers to a regular payment that will not change in value throughout the term of the policy.A Reviewable Premium is usually guaranteed for an initial period in the first 5 years, after which time the life insurance company can review the premium based on its general claims history, rather than the policyholder’s medical history. Consequently the premium of the life policy can increase when renewed.

Applicant Type

Joint Single

A Joint policy means both applicants are covered by the insurance, but only one payment will be made in the event of a claim from either policyholder, after which point the policy will terminate.

First Applicant

First Name

Surname

Is this person a smoker?

Yes No

A smoker is normally defined by insurance company as someone who has used tobacco during the previous 12 months.

Date of Birth

Day Month Year

First Name
Surname
Is this person a smoker?	Yes No
A smoker is normally defined by insurance company as someone who has used tobacco during the previous 12 months.
Date of Birth	Day Month Year

Telephone Number

Email Address

Address

Postcode

Verification Code

By requesting a comparative quote, you are under no obligation to take a life insurance policy. We do not make a charge for our insurance service.

Initial Disclosure Document

THINK CAREFULLY BEFORE SECURING OTHER DEBT AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE