What kind of insurance to go for

• I want to make sure that my mortgage is paid off if I die or become very seriously ill. What kind of insurance do I need?
• I want to make sure that my monthly mortgage repayments are paid for me if I’m off work due to sickness, accident or unemployment. What kind of insurance do I need?
• I have a Repayment Mortgage. What sort of Life Insurance do I need?
• I have an Interest Only Mortgage. What sort of Life Insurance do I need?

Getting a Quote

• Can I get a quotation now?
• What information will I need to provide to get a quotation?
• Why are there such low Life Insurance prices on the Internet?
• What does a Life Insurance Broker do?
• How do Life Insurance Brokers get paid?
• Will I have to buy my Life Insurance through my mortgage lender or mortgage broker?

About Mortgage Life Insurance

• What is Mortgage Life Insurance?
• Why would I want Mortgage Life Insurance?
• What’s the difference between Mortgage Life Insurance and normal Life Insurance?
• Should I consider normal Life Insurance to cover my mortgage?
• How much should I insure for?
• Can I include Critical Illness Insurance in my Life Insurance Policy?
• Will my mortgage lender accept a Life Insurance Policy bought online?
• Can I keep my Life Insurance Policy on if I pay my mortgage off early?
• Does my Life Insurance Policy have an investment value?

Choosing the Right Mortgage Life Insurance Policy

• Should I take out a guaranteed or reviewable policy?
• What’s the difference between a joint policy and a single policy?
• Do I need decreasing cover or level cover?
• Will I need a medical?
• Which Optional Extras should I consider?
• What if I add Critical Illness Cover?
• Under a combined Life Insurance and Critical Illness Policy, is the value of cover the same for both the Life and Critical Illness provisions?
• Will I have to pay a fee to my mortgage lender if I don’t buy my Life Insurance through them?
• How do Life Insurance Brokers get paid?

Arranging Cover Quickly

• How quickly can you arrange my Mortgage Life Insurance?
• What is the fastest way to apply?
• What if I urgently need Life Insurance in order to complete my house purchase?
• What causes delays?

Understanding the Price

• Is the price I’m quoted the price I pay?
• How does the Insurance Company calculate my premium?
• If I’m asked for additional information or a medical, will I have to pay more?
• Why might I have to pay a higher premium than someone else?
• Will my premiums increase over time?
• Does it cost more if I’m smoker?
• How does my age affect my premium?
• Will my medical history affect the premium?

Using my Policy

• How do I make a claim?
• What if I can’t find my policy?
• What would happen if I stopped paying my premiums?

Other Types of Life Insurance

• What is Mortgage Payment Protection Insurance?
• What is Term Insurance?

About Critical Illness Insurance

• What is Critical Illness Insurance?
• What is Terminal Illness Insurance?
• What is the difference between Terminal Illness Cover and Critical Illness cover?
• What illnesses does Critical Illness Insurance cover?
• What level of Employment Cover do I need?
• Do I have to survive for a minimum number of days in order to claim under Critical Illness Insurance?
• Why does Critical Illness cover seem expensive?

The Law, regulations and complaints

• What does the law say about Life Insurance?
• What about life Insurance purchased on the Internet?
• Who is the Financial Services Authority? (FSA)
• What does the FSA do?
• How do I complain about a Life Insurance Company?
• How do I complain about a Life Insurance Broker?
• How do I complain about misleading advertising?