Increasing Term | Money Wise Mortgages LTD | Mortgage Adviser Buckie | Mortgage Adviser Moray

Increasing Term Assurance

This type of protection covers you for a set term for an increasing lump sum. The level of benefit will be agreed at the outset. The benefit amount for this type of policy rises annually by a predetermined factor, typically Retail Price Index (RPI). This is referred to as as "indexation". However, with this policy, as your benefit amount increases, the premium will also increase. By selecting indexation, you are protecting the purchasing power of your selected benefit. This might be suitable for family protection, but again this would be totally dependent on the individuals requirements and circumstance.

despite the level of cover and premium increasing, this type of protection is similar to the level term protection

would be suitable if insuring over a lengthy period of time as increasing prices eat away at the value if a fixed level of cover.

Please be aware that in some cases this type of assurance is based on an assessment of the health of the applicant.

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.

Protection

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We may need to collect sensitive personal data including information about your health, ethnic origin, or criminal prosecutions from third parties such as employers and credit reference agencies, fraud prevention agencies and other similar organisations in order to provide you with the services, for example where you require advice on protection or mortgage products.

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Money Wise Mortgages LTD | Mortgage Adviser Buckie | Mortgage Adviser Moray | Local Mortgage Adviser