We all want to ensure that our family and dependents will be comfortable come what may.
Saving you time, anxiety and stress
We understand the complexities of this market and can guide you to the best possible solution for your circumstances using our extensive experience and access to whole of market access.
You can access our advice over the phone, remote consultation via the internet or face to face whichever is easier for you.
Life insurance benefits
When it comes to looking after the ones you love it pays to be prepared for whatever may lie ahead.
Life Assurance can help support your family in the event of your death, giving you the reassurance that they will be well looked after should the worst happen.
There are many reasons why people choose to take out life insurance, including:
- To arrange for their mortgage to be paid off in the event of their death.
- To replace the main earner’s salary should the worse happen.
- To cover school or university fees should the main income earner die.
- To provide money for childcare should the main carer die.
Need help choosing the right life insurance?
Choosing the level of cover that’s right for you and your family is an important decision. That’s why the experts at EFS can guide you through everything you need to know, to decide what cover is the right and correct one for you.
We’ll search the whole of the market of leading insurance providers to find the best priced cover to meet your chosen needs.
So what’s out there?
Level term insurance
Level term insurance can protect your family’s income. It guarantees a lump sum payout should you die during the fixed term covered that you choose, this will give your family protection against loss of income.
You can choose the length of the term and the amount you wish to pay, which is reflected in the size of the potential payout.
Decreasing term life insurance
Decreasing term life insurance or mortgage term insurance as it is also known, ensures that your dependants will receive a lump sum to help pay off your repayment mortgage should you die during your chosen term.
As the name suggests the amount covered reduces as the amount outstanding on your mortgage reduces, meaning the premiums are often lower than for level term policies.