Frequently Asked Questions.

Fixed Rate Mortgage UK: Monthly payments stay the same; ideal for budgeting.

Variable/Tracker Mortgage UK: Payments can rise or fall with market rates; may suit those who want flexibility.

Once we complete the initial consultation a detailed document checklist will be shared, along with a link to our bespoke Client Portal where you would have your individual login enabling you to complete the Fact Find document and upload documents.

Commonly requested documents include but not restricted to the below mentioned:

1. Proof of income (payslips, tax returns, employment letters)

2. Bank statements (usually 3–6 months)

3. ID and proof of UK address

4. Details of debts, loans, or financial commitments

Life Cover provides a lump sum payment to your beneficiaries if you die during the policy term. It helps protect your family, pay off debts, or cover living expenses designed to provide financial security to your dependents in the unlikely event of death or terminal illness during policy term.

Critical illness cover pays a lump sum if you are diagnosed with a serious illness listed in provider policy document, such as cancer, heart attack, or stroke. It helps cover medical costs, debts, or income loss. Most providers offer comprehensive critical illness cover with several conditions.

1. Level Life Cover where the pay-out remains the same throughout the fixed term of the policy being in force.

2. Decreasing Term Life Cover where pay-out decreases with time in line with a mortgage or debt being repaid.

3. Whole of Life provides cover for the entire life and pays out on death of the policy holder whenever that unfortunate event was to occur.
 

Income protection provides a regular monthly payment which is a percentage of your monthly income if you are unable to work due to illness or injury. It ensures you can maintain your lifestyle and pay bills while recovering. It does not pay out in case you are made redundant.

Family income benefit pays a regular monthly income to your family if you die during the policy term, rather than a lump sum. It is useful for ongoing expenses like mortgage payments, school fees, or household costs.

The amount depends on your several factors including dependents, lifestyles and expenses as well as financial responsibilities, such as:

1. Outstanding mortgage or rent

2. Household bills and living costs

3. Future education costs for children

4. Debts or loans

A typical guideline is 10–15 times your annual income, but a financial advisor will provide a personalised recommendation based on assessment of your needs and demands.
 

Yes. Many providers offer combined policies, giving both life cover and critical illness protection in a single policy. This can be more cost-effective than taking separate policies.

Premiums would depend on:

1. Your age and occupation, height and weight which is BMI

2. Health and lifestyle including smoking status, underlying health conditions

3. Cover amount and deferred period (time before payments start)

4. Most policies offer tax-free monthly payments to help cover living expenses.