How Does Life Assurance Work?

It’s possible to take out a whole-of-life policy to cover you for as long as you choose rather than running for a fixed term. This type of policy is commonly used to cover inheritance tax bills and funeral costs. It may be that you need to be of a certain age to apply.

Level Term or Decreasing Term Assurance?

Term assurance is a good choice if your main concern is making sure your family is housed. You can opt for level term assurance, which provides a fixed level of cover over the time you specify, or decreasing term assurance. This gives a level of cover which decreases over time to reflect the amount of your mortgage still outstanding.

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What Isn’t Covered?

It’s important to realise that life assurance is intended to offer financial security only in the event of your untimely death. If you’d like to cover yourself against illness, disability or unemployment you’ll need to take out specific protection against those eventualities. A good starting point if you think you need life assurance is to call our expert advisers. They can talk you through your options and match your needs with the most suitable policy at the right price.

Beside you all the way

At Zing, we’re here to help you throughout your mortgage application. From your first enquiry through to completion - we’re here to make the whole process easier for you.

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