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Life Insurance Advice in Cardiff

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Life Insurance Advice in Cardiff

With various life insurance products out there, we'll find a policy that ensures peace of mind for your loved ones.

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How does life insurance in Cardiff work?

Looking for financial support for your loved ones after your passing? Life insurance policies offer various options to secure your family’s future. With a variety of policies available, the primary goal is to provide a lump sum to cover expenses such as mortgages, childcare, and bills.

If you’re planning to take out life insurance in Cardiff, our protection and mortgage advisors in Cardiff can help you find the right insurance product. Our team will assess your personal situation to try and get you the best policy to meet your needs. Contact us today for expert life insurance advice in Cardiff.

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Life Insurance Advice in Cardiff

Do I need life insurance in Cardiff?

Life insurance is a crucial consideration for those worried about their loved ones’ finances after their passing. When taking out or remortgaging a property, mortgage providers may offer life insurance as an option, although it’s not mandatory.

If you have a partner or friend who relies on your financial support, it’s essential to ensure they won’t face financial difficulties if you’re no longer around. Life insurance can provide peace of mind and financial security in these situations.

As experienced providers of life insurance and mortgage advice in Cardiff, we strongly suggest that even single homeowners consider taking out their own life insurance policy. Contact us today for expert advice tailored to your personal situation.

What is life insurance?

Life insurance is a valuable form of protection that provides financial security for you and your family in the event of your passing. With the right policy, you can rest easy knowing your dependents will be well taken care of.

Each life insurance policy is unique, tailored to your specific needs and circumstances. Our expert insurance and mortgage broker in Cardiff can help you understand your options and choose the best policy for your situation. If you pass away due to a condition covered by your policy, a lump sum will be paid out.

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Life Insurance FAQs

When should I get life insurance in Cardiff?

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As experienced insurance and mortgage brokers in Cardiff, we recommend considering life insurance whenever there is a significant change in your life, such as taking out a mortgage, having children, or getting married. Unexpected events can happen at any time, and it’s crucial to have protection in place to avoid leaving your loved ones with financial burdens.

How does the process work for life insurance in Cardiff?

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The cost of your life insurance policy will depend on several factors, including your age, lifestyle, and medical history. Younger and healthier clients typically pay lower premiums. You can choose to receive the payout as a lump sum or in regular monthly payments.

One of the significant benefits of life insurance is that you can decide how the payout is used. For example, you can choose to pay off your mortgage, outstanding debts, or anything else you deem necessary.

It’s essential to remember that life insurance is designed to provide financial support for your family, replace lost income, or pay off any outstanding debts in your name. Contact us today for expert life insurance advice in Cardiff tailored to your unique needs and circumstances.

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Our Simple Step by Step Process

Free 30-Minute Insurance Review

Step 1

Are you looking for insurance that fits your personal and financial circumstances? Get in touch with our protection advisor in Cardiff who will help you find the most suitable insurance products to protect you and your family.

During your initial consultation, your protection advisor will discuss your health background with you and gather relevant information to build a tailored plan that fits your available monthly budget.

We Will Search Through Different Insurance Products

Step 2

Our team can search through thousands of insurance products to find the most appropriate one for you.

Submit Your Insurance Application

Step 3

Once you're happy with the product, we will submit your application to the provider.

In some cases, the policy provider may request further information before accepting the application.

Protecting You and Your Family

Step 4

If you took out your mortgage with us, we will review any policies you have in place at the time of remortgage. As circumstances change, the policies that you took out at the start of your mortgage may no longer be suitable for you.

Reasons to Choose us

Free Protection Review

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To learn more about our insurance services in Cardiff, you can easily and quickly get in touch with one of our specialists. Our experts can explain the policies available to you and assess your personal and financial situation to determine which policies are most suitable for your circumstances.

As a mortgage broker in Cardiff, we have found that customers typically take out life insurance in conjunction with other policies. However, the suitability of such policies varies depending on individual situations. Therefore, we recommend speaking with an expert before making any decisions.

1000's of Deals

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We have access to a large number of lenders and can search for the perfect insurance product that best meets your needs. Your mortgage advisor in Cardiff can search through high street lenders to find the best deal for you, ensuring that you get the best product for your personal and financial situation.

Before recommending any product, we want to make sure we find the best one for you. Our life insurance advisors in Cardiff will take you through the policies, explain how each of them works, and help you choose the most appropriate one for you.

Our Service

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It can be challenging to determine what type of insurance product to take out, and that's why our life insurance advisors in Cardiff are here to help. They will walk you through the policies, explaining how each works, so that you can make an informed decision.

Even if you're not considering life insurance, a free protection review can help you understand how such policies can benefit your loved ones financially if you pass away.

7 Days a Week

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We are available to answer your calls 7 days a week. If you prefer to book a free appointment online, you can start our enquire online process from our website.

Our life insurance advisors in Cardiff are eager to hear from you and help you make the best decision for your needs.

Malcolm and Amy Davidson - Mortgage Advice in Cardiff

Finding you the Right Life Insurance Deal in Cardiff

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Different Types of Life Insurance in Cardiff

The Whole of Life Insurance

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Whole of life insurance is a type of policy that provides coverage for your entire life rather than a specific term. This type of insurance policy is generally more expensive because it is more likely to pay out. It is typically used for family protection and inheritance tax planning.

Term Assurance

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Term assurance is the most common type of life insurance policy. It is used to cover mortgage payments in the event of the policyholder’s death. Our protection advisors in Cardiff will recommend the sum assured and term of the policy based on your mortgage term. As long as you keep up with your policy payments, the sum assured will be paid out if you die during the term.

There are two types of term assurance policies: decreasing and increasing. Your insurance advisor will explain these options and help you choose the best one for your situation.

Family Income Benefit

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Family Income Benefit is an alternative to term assurance where the payout is made in monthly instalments rather than a lump sum. This option is popular among families, especially those with young children.

Joint Life Insurance

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Our insurance specialists in Cardiff can recommend a combination of insurance policies that best suit your needs. For those in relationships, a single-life policy shared between both parties may be a cost-effective option. However, the policy will only pay out once.

Death in Service

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Some employers offer a Death in Service policy to their employees. This policy pays out a lump sum in the event of the employee’s death, regardless of whether the death is work-related. The policy usually ends when the employee leaves the company.

Our Insurance Advice Service in Cardiff

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We provide a free insurance review to ensure that every customer has an equal opportunity to get life insurance advice. During the review, we will also discuss other products such as critical illness and income protection that can be taken out in conjunction with your life insurance policy. Booking an appointment with our protection and mortgage advisors in Cardiff is quick and easy.

Mortgage Guides & Cardiffmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at

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