Types of Life Protection UK
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Level Term Life Insurance
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Life Insurance provides a guaranteed cash lump sum for any purpose
if you die, are critically ill or become permanently disabled.
This is life assurance cover where the amount you are covered
for remains the same throughout.
With level term life insurance, you can choose your level of
protection: Life Cover provides cover for a set number of years
and will pay a fixed cash sum if you die within that time. Critical
Illness Cover provides cover for a set number of years and will
pay a fixed cash sum if you suffer a critical illness such as
cancer or heart attack within that time. The policies arranged
by SmartMole cover a wide range of illnesses. For complete peace
of mind, combine Life Cover and Critical Illness Cover in one
simple policy. If you are not sure what type of policy you need,
please contact the SmartMole team.
Also known as:-
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Mortgage Life Insurance
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Mortgage Life Insurance provides a cash lump sum to clear your
capital repayment mortgage in full if you die, are critically
ill or become permanently disabled.
With mortgage life insurance, you can choose your level of
protection: Life Cover provides cover for the duration of
your mortgage and will pay a cash sum to clear your mortgage
if you die. Critical Illness Cover provides cover for the
duration of your mortgage and will pay a cash sum to clear
your mortgage if you suffer a critical illness such as cancer
or heart attack. The policies arranged by SmartMole cover
a wide range of illnesses. For complete peace of mind, combine
Life Cover and Critical Illness Cover in one simple policy.
If you are not sure what type of policy you need, please contact
the SmartMole team.
Also known as:
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Accident Sickness & Unemplyment
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Accident, sickness & unemployment
cover provides a monthly payment if you have an accident, become
sick or are made unemployed. It is designed to help you get back
on your feet after a set back, with benefit payable for typically
up to a year. We will provide an instant quote.
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Income Protection
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Permanent Health Insurance (PHI)
provides a long term income for as long as necessary if you are
unable to work through accident, illness or injury. It is particularly
important if your employer's sick pay scheme is not very generous
or if you are self-employed.
This insurance is sometimes called Permanent Health Insurance
(PHI) because it is a form of health insurance. It can pay you
a regular monthly income if you are unable to work due to accident
or sickness. It does NOT provide protection against unemployment
(accident, sickness and unemployment -ASU- cover may be more appropriate
if you want unemployment cover). SmartMole can provide both these
types of cover.
Also known as:-
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Private Medical insurance
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Private Medical Insurance (PMI) pays towards the cost of private
medical treatment, allowing you to choose where and when you are
treated, and by whom.
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Level Term Life Insurance
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We can offer no-fee flexible mortgages, with daily interest,
no tie-ins, no redemption penalties, no mortgage indemnity premiums,
and rates so low you'll be amazed.
Your home is at risk if you do not keep up repayments on a mortgage
or other loan secured on it. Be sure you can afford the repayments
before entering into any credit agreement. SmartMole Ltd is licensed
by the Office of Fair Trading under the Consumer Credit Act and
is registered with the Mortgage Code Compliance Board. The Mortgage
Code provides protection for you as a mortgage borrower. It sets
out certain minimum standards which mortgage lenders and intermediaries
have to meet. Copies of the Mortgage Code are available upon request.
All loans are subject to status and security. Personal Illustrations
available on request.
Also known as:-
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Mortgage loan
- Home mortgage
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