Life insurance

Life Insurance Plans differ from provder to provider, typically, level-term, index-linked term and mortgage protection plans are available.

Life Insurance Plans are available as single or joint life plans.

The plan includes (subject to scheme rules):

Terminal Illness Cover (although this does not apply in the last 18 months of the plan)
Waiver of Premium Plan available as a separate policy subject to eligibility
Guaranteed Insurability

Authorised & regulated by the Financial Services Authority, registration no. 304167. Consumer Credit Licence No. 625805, Data Protection Z8365202. Will Writing and conveyancing are not regulated by the Financial Services Authority.

Mortgages:
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. This information does not contain all the details you need to choose a mortgage. Make sure that you read the separate Key Facts Illustration before you make a decision. There will be a fee for mortgage advice. For example, the fee will normally be 0.35% of the mortgage advance, with a minimum fee of £195.

Secured Loans:
Think carefully before securing other debts against your home. By consolidating your existing financial commitments, you should be aware that whilst this may mean you will make short term savings, over the long term, you may end up paying more. This is because you may be extending the period of the loan. You are also transferring previously unsecured debts to a mortgage which is secured on your home.

Your home may be repossessed if you do not keep up repayments on your Mortgage or any other debt secured on it.

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