Typically, if you have a repayment mortgage, you should have a Decreasing Term Assurance (DTA) policy and if you have an interest only mortgage, you will need a Level Term Assurance (LTA) policy.

No, if you have just the one mortgage, a joint policy paying on first death will be enough to pay off the mortgage debt.

Term assurance means there is an end date to the policy. Term assurance policies are typically designed to protect something temporary like a mortgage or loan.

That's where we come in. We can help you identify what and how much you need. We'll draw from experience to help you cover every base.

With most critical illness policies, you will receive a payment if your child becomes seriously ill. With some providers, you have to request. It is awful to consider, but some policies will cover the death of a child.

Unfortunately, not, if you cancel your policy or are unable to pay your premiums, your policy will end, and you won't receive any money back.

Depending on the condition, when you were diagnosed and if you have fully recovered will determine if an exclusion will apply to your policy. We'll discuss your medical history with a host of providers to see who can offer the best solution.

You can choose a pay-out term when setting your policy up. You can choose 1 year, 2 years, 5 years or up to your retirement age.

Most sick pay entitlements only last for a few months. Consider what would happen if you needed a year, two years or even longer off work? An Income Protection policy can take over once your sick pay runs out