Life Insurance
Life insurance is – understandably – something many people simply don’t want to think about.
However, securing the right cover will not only bring peace of mind now, it will also mean your loved ones are taken care of in the event of your death.
We know it’s not the nicest of subjects. But a tax-free lump sum or monthly payment could help to ensure that your loved ones aren’t left in financial difficulty, particularly during a time of emotional strain.
Our friendly team of advisors will work with you, using their expertise to find a life insurance policy that suits your circumstances, cover requirements, and budget.
What level of cover do I need?
As a starting point, we advise setting a minimum target of ten times your annual salary but if affordable would suggest fifteen to twenty times your income.
What age should I consider life insurance?
We advise taking out cover as soon as possible suggesting singletons should also consider a policy to ensure all costs are covered in the event of their death.
Let us contact you
Simply complete the details above, and a member of our friendly team will call or email to arrange an appointment.
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Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. We typically charge £499. However, our maximum fee is £749, and our minimum fee is £99. Our fee is payable before we do any chargeable work on offer. Tiered pricing table dependent on circumstances.
• Complex Transactions including Complex Income, Debt Consolidation and Adverse/Sub Prime £749
• Residential Purchases £499
• Residential Remortgages £299
• Product Transfers £99.
What is the next step
Step 1
Life continually moves on and with that comes increased responsibility. Whether you are buying a home or starting a family, it is an exciting time but you must plan ahead now to ensure that if something goes wrong, you and your loved ones are fully protected.
Step 2
Speak to our friendly team to discuss your needs. Simply book an appointment and we will advise you on the right level of cover. With whole of market access we will ensure you find the right products for your individual needs.
Step 3
Our expert team have a wealth of experience helping individuals and couples plan for their futures. Whether you are considering mortgages, life insurance or income protection we will find the right option for your circumstances protecting you for the future.
Ready to talk to a professional
Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. We typically charge £499. However, our maximum fee is £749, and our minimum fee is £99. Our fee is payable before we do any chargeable work on offer. Tiered pricing table dependent on circumstances.
• Complex Transactions including Complex Income, Debt Consolidation and Adverse/Sub Prime £749
• Residential Purchases £499
• Residential Remortgages £299
• Product Transfers £99
Don’t risk leaving your family in financial difficulty. we can find you the most suitable protection.
Frequently asked questions
Do I need to have a medical exam to qualify for life insurance?
In most cases you won’t need a medical exam. When applying for life insurance the applications covers aspects of your medical history and lifestyle. The answers to the questions will determine whether the provider will wish to ask for any further information, including asking for a GP report or carrying out a medical examination. Should this be the case it is imperative that you are covered correctly on the applicable terms so that any claim is paid. In the event that further information is required any cost is covered by the provider.
Is life insurance required for me to complete my mortgage application?
It is not a compulsory requirement. We have a duty of care to and an Financial Conduct Authority obligation to assess our clients’ protection shortfalls. Therefore, we will make suitable recommendations after discussing your current situation, discussing the shortfall and your available budget. It is essential that you are aware of the financial implications in the event of death to the surviving party or the effects of being diagnosed with a serious illness.
How much can I cover myself for?
This will depend on your individual situation. It is always best to discuss your options with one of our insurance specialists.
Would anything stop me from having my life insurance application approved?
When applying for life insurance the application covers aspects of your medical history and lifestyle. The answers to the questions will determine whether the provider will wish to ask for any further information, including asking for a GP report or carrying out a medical examination. When the information has been made available to the insurance provider they will make a decision as to whether you are able to covered or any special terms applied.
Couldn’t find your answer? Ask a question
Let’s get started
To arrange an appointment with our friendly team, all you have to do is click the button below. We’re looking forward to meeting you.
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About:
Chambers Financial Services Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. Click here for more information. Internet Privacy Policy
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 11/01/2024
Find us at:
Fleet House, 1 Armstrong Road, Benfleet, Essex SS7 4FH
Important:
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances.
We typically charge £499. However, our maximum fee is £749, and our minimum fee is £99. Our fee is payable before we do any chargeable work on offer. Tiered pricing table dependent on circumstances.
• Complex Transactions including Complex Income, Debt Consolidation and Adverse/Sub Prime £749
• Residential Purchases £499
• Residential Remortgages £299
• Product Transfers £99
The Financial Conduct Authority do not regulate some buy to let mortgages.
Chambers Financial Services Limited is registered as a company in England & Wales registration number 08201095. Registered address: Arlington House West Station Business Park, Spital Road, Maldon, England, CM9 6FF.
