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Life Assurance

Whether you are looking to protect your family, loved one’s or make sure a mortgage OR other debt is repaid in the event of your death, life assurance can be quick and easy to arrange & offer you the Peace of Mind you need

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Benefits of Life assurance

  • Monthly premiums can be guaranteed never to rise giving you stability.
  • No complicated forms to be completed, we do all the administration for you. All the information is sent to you in order for you to read it & understand it.
  • Premiums start at just £5 per month.
  • Joint or individual protection.
  • Terminal illness is built in automatically by most providers
  • Peace of mind for the future.

What type of cover is right for me ?

All the life assurance plans we advise on from the various insurance providers will pay a cash lump sum or regular monthly payout if you die within the policy term required. Some plans are for a fixed term, while others provide you with life cover for the rest of your life. The table below describes some of the reasons why you may need life assurance and the type of cover which may be suitable in those circumstances. Take a look to see if any of them apply to you.

Need

Answer

I just want to cover my repayment mortgage. You might consider
DECREASING LIFE ASSURANCE
I have an outstanding loan and I’d like cover to pay it off if I die. You might consider
DECREASING LIFE ASSURANCE
I want to cover my interest-only mortgage. You might consider
LEVEL LIFE ASSURANCE
I want to leave some money for my loved ones to use if I die during the policy term. You might consider
LEVEL LIFE ASSURANCE

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse

It’s easy to organise Life assurance if you come through David Nicholls Associates.

We can provide you with professional Advice that is a fair analysis of the WHOLE market & we will organise everything from start to finish free of charge for any advice we provide you. Whether you’d like a quote or advice, just give us a call on FREEPHONE 00800 9803778 or our dedicated mobile number 07966 983865 or email us on info@davidnichollsassociates.co.uk & we”ll be happy to help you.

Nicholls Financial Services Limited trading as David Nicholls Associates is an appointed representative of In Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority (FCA). FCA number 540161