Life Insurance Liverpool
What is Life Insurance?
Life insurance is an insurance policy to help with the costs of losing a loved one. It can be arranged in many ways - decreasing life insurance alongside a repayment mortgage, level life insurance to provide a fixed lump sum, monthly life insurance called Family Income benefit to replace a lost income or increasing life insurance to protect against inflation. Typically, a life insurance payout is paid out quite soon after a person passes away, but if it is not written in trust it will only be paid out after probate has been granted.
Things to Consider:
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How much cover do you need?
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What type of cover is most suitable?
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How much is your monthly budget for protection?
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Do you have a mortgage or children to protect?
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Who would be the most suitable people to receive the insurance payout if you and your partner both passed away?
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Would a payout create an inheritance tax liability?
Benefits of Using J&M Green Mortgage Services:
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We will assist you in calculating the correct amount of cover for your needs in line with your monthly budget.
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We will talk you through the various ways you can arrange life insurance and what they mean - decreasing cover for your mortgage, level or increasing cover for your family as a lump sum, or a monthly family income benefit policy to replace a parent’s lost income.
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A lot of our providers will offer additional services such as 24-hour bupa healthline, specialist 2nd opinion and counselling services alongside our policies which are not always offered with direct purchases.
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All of our life insurance policies are written in trust free of charge which means the money goes to the right people when it’s needed instead of going through probate, and also ringfences the proceeds from your estate for inheritance purposes.
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We do not charge a fee for our professional insurance advice and discuss it with all our clients on no obligation basis so they can make an informed decision.
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Should, heaven forbid, you ever need to claim on your insurance, we will assist you with the claims process and be by your side every step of the way.
Enquire Today
Evening appointments available - we are happy to work to a time that suits our clients!
Alternatively, Call us on: 01512300909 or pop in to our offices at 13 Allerton Road, Liverpool, L18 1LG