Life Assurance

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Life Assurance

Most clients we see don't have the right assurance to protect themselves or their family, have cover they don't require - or are paying way over the odds.

We can ensure you have the correct plans in place at the best possible price.

Unlike many companies, we can choose the most suitable product on the market - we're not tied to just one insurer's products.

Types of insurance we can advise on

  • Life assurance - to protect your family or business
  • Mortgage protection - to cover probably your biggest debt
  • Critical illness cover - in case you are diagnosed with a serious illness
  • Income protection - pays a monthly benefit should you be unable to work due to long term illness or injury
  • Medical (health) insurance - to pay for private medical treatment

Whatever cover you need, we'll explain everything in simple terms, aim to get you the best deal, and make sure you have the right policy for your individual needs.

Mortgage and Family Protection

Mortgage Protection - where the life cover reduces over the policy term and is used primarily to protect repayment mortgages or loans. As the loan reduces so does the level of protection.

Level Term Assurance is often more expensive, as the cover remains constant. This tends to be used to protect interest only loans and to protect your loved ones.

The sum assured would be paid in the event of the life assured's death.

Critical Illness Cover

Most peoples standard of living would usually be seriously impaired if their earning capacity reduced or disappeared as a result of being diagnosed critically ill.

Critical illness cover has developed mainly because advances in medical science mean that people are surviving longer after diagnosis of a serious illness.

Critical illness policies pay a lump sum on the diagnosis of a specified condition or disease. The illnesses covered vary from company to company.

Income Protection

Income Protection policies provide cover, usually to coincide with your chosen retirement age.

To provide an incentive to return to work, cover is limited to a percentage of your current level of income, payable on a tax-free basis.

You have to be absent from work for a certain period before benefit is payable. This is called the deferred period and can range from 4-52 weeks or 104 weeks (options vary among insurers).

In the event of a claim the benefit will be payable until the claimant returns to work, retires or dies.

Contact Information

PJ Mortgages (UK) Limited

354 St Albans Road,

Watford WD24 6PQ

Phone: 01923 232111

My pension fund has grown by 10.8% since February. Thank you for looking after my pension fund so well. I look forward to enjoying the benefits soon. Pip Buist

My pension fund has grown by 10.8% since February. Thank you for looking after my pension fund so well. I look forward to enjoying the benefits soon. Pip Buist

Thanks for reviewing my pension and giving me advice on what pension I should go for. I will have no hesitation using your services in the future and will be pleased to recommend you. T Clark, Watford

Thanks for the help you gave my wife and I on investing a lump sum which gave us a very positive outcome that will be pleased to recommend you to whoever we know or meet.� R Vickers, Watford

Thank you for your professional and efficient service in sourcing the right mortgage provider for me - I wish more businesses would follow PJ Mortgages (UK) Ltd model. F Benenson, Finchely

Thanks for all your help and hard work and attention to detail. You have worked diligently and kept me up to date and explained everything to me. S Mann, Dunstable