Life & Critical Illness Insurance

Not all life insurance is the same. B-advised ltd offer you access to the whole market for bespoke protection in a simple yet cost-effective way. Best Prices from some of the most respected providers.

This is about benefits, for your loved ones; after you have gone. Life assurance will pay a tax free cash lump sum, to your family when you die. This can be used to repay debts or secure the futures of those you care about.

Debts don’t die because you do!
Kids will still need feeding, raising and educating.

Term assurance plan, which means it provides cover for a fixed term 1yr to 40yrs and does not have cash in value or pay out at the end of the term. It's aimed at people aged 17-69 years of age, who are in fair to good health. Variants include, Convertible term, Family income benefits, Level, Escalating and Decreasing, with or without Cic? With or without waiver?

Mortgage? Consider decreasing cover its cheaper. This cover is designed for you if you're a first time buyer, moving house or owner re-mortgaging. The amount you owe on a capital and interest repayment mortgage will go down over the years. So, your cover decreases each month, using a monthly interest rate of 5-10%. The cost is averaged out over the term of your plan - you pay the same amount every month.

Whole of life plans are life assurance policies, designed to provide the policyholder/life assured with cover for their entire lifetime. The policies pay out once the life assured dies, the policyholder's dependants will receive a lump sum, usually tax-free. Depending on the individual policy, policyholders may have to continue contributing to the plan right up until they die, or they may be able to stop paying in once they reach a stated age, even though the cover continues until they die. These have variants that are investment linked, Guaranteed, Reviewable, One off payment and those with little or no medical information required.

Providers of 'whole-of-life' plans guarantee to pay out when the life assured dies. Critical illness insurance or critical illness cover is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy. (Heart attack/Stroke/Cancer/Loss of sight/Children’s cover /Kidney Failure, with up to 40 potential illnesses covered)Some providers offer a wider range of benefits and conditions covered, let us do the home work and tailor a plan to suit you and your individual situation. Be aware of the price you pay.

Life cover price is affected by factors of age, sex, occupation, health level of benifits.
b-wise and b-advised.