- LIFE INSURANCE
- INCOME PROTECTION
- HEALTH INSURANCE
- BUSINESS PROTECTON
- SPECIALIST INSURANCE
When you consider your monthly outgoings, it is very likely that the mortgage is going to be the single largest financial commitment you have.
By taking out life insurance to cover a mortgage you are protecting your family from having to maintain these payments in your absense, as well as from the threat of having the family home repossessed.
Mortgage life insurance can be split into two main caregories, with a choice as to whether the money is paid in a lump sum; so that the debt can be cleared, or monthly so that mortgage payments can be maintained.
The right type will depend on your personal circumstances
Level Term - Interest only debts
Decreasing Term - Repayment mortgages
Family Income Benefit - pays a monthly income (can be level or decreasing)
Excellent Service We have been using Andy to arrange our life insurance for over 5 years now and he has always provided a friendly, reliable and personal service. We would highly recommend him to friends, family and anyone else considering reviewing their life insurance needs.
Great job very friendly, and everything set out and explained to me. Found me some great deals and set it all up for me hassle free. Would highly recommend to anyone
Recommended without reservation. A most professional service.
Extremely helpful (and patient) throughout the switch to our new Life Insurance policy. They chased each staging post along the way on our behalf and regularly made contact to keep us informed. Great service!
The advisor Andrew was very polite, efficient and found the best life insurance that suited my needs
Professional service, very helpful, clear and concise guidance. Andy provides impartial advice, helped secure the best life insurance deal and provided a superb will writing service.
My enquiry was dealt with very professionally by Andrew Burton. Everything explained in detail and in such a friendly manner. I was more than happy to put my life insurance in place,and would strongly recommend this site. K.McCarthy.
A very good detailed quote well presented and a very friendly person who gave me a couple of quotes and was very good at his job I would strongly recommend this company
FABULOUS How thorough , knowlegable and patient is Andy Burton THE one for all you security needs .. Peaceful times ahead Thank you
Extremely brilliant service and very informative and staff are very helpful
Excellent in all respects. Friendly, efficient and clearly explained everything. Would highly recommend.
Very relaxed advisor ,made me feel at ease.Excellent level of knowledge.I felt absolutely no pressure.Thank you Andy.
He was very efficient and professional throughout our telephone conversations. I would certainly recommend Andrew Burton - owner of Sandbourne. I will certainly be using him in the future with other matters and I will recommend him to friends and family.
Great website! Totally hassle free, efficient and friendly advice. Given all the options to look through to decide what was best for me. Would highly recommend!
We are so pleased that we went with this company. Such a lot of help, and nothing was too much trouble. At a time like this it is hard to know what to do and how to do it, but the advice was there straight away and we were put at ease immediately. Without any hesitation we would recommend this Company.
I have been dealing with Andy since my son was born in 2012 and even now he still helps me even when on holiday with his Wife (he got a telling off by me lol) I will never go to anyone else as long as Andy is still doing the same job!
Difficult subject made easy. Many thanks for your easy to talk telephone quote.I had difficulty with my computer bombing out at the time of looking for this, but I would have no hesitation in calling for help in the future. Thank you Andrew Burton. Regards Sandra Saunders.
Brilliant 5* Brilliant service throughout! Thank you so much.
Andy was extremely helpful and polite...I explained what I needed, and he delivered. Simple.
Lovely experience! Such a friendly, easy experience! Andy Burton took the time to explain every option thoroughly, to listen to exactly what it was we wanted and we never ever felt rushed. He was equally professional and friendly and immediately put you at ease. Things were explained so well to ensure I understood everything and every option thoroughly! It was a much more personal experience then we have had with other companies and I would honestly recommend this company to everybody!
Excellent service Andy is a first class professional, what stands out is his integrity and his commitment to you as a client. He is knowledgeable and his foremost intention is to obtain the best deal for your circumstances. Do not hesitate to give him a call, even if its only advice you are seeking. The discussion you have will ultimately only benefit your future decisions regarding life cover, health insurance…. etc.
Fabulous first rate service Never described Insurance shopping as a pleasant experience before but this really was. Andrew is fantastic, very knowledgeable and sells you what you need. No hidden extras or fees and the free will with every policy is brilliant. I would have no hesitation in recommending Andrew.
very friendly, efficient and informative and took time to explain things. I work for a large company and would definitely recommend to my work colleagues, of which I will.
Extra mile It is always important to have all the facts before you commit to anything - like crossing the road, is there any cars coming? Andy ensures that all the facts are well explained and offers a no frills and no B*** S*** answers to all questions.
Positive experience Very helpful, personal service that was much more informative than other, much-advertised operators who were more about getting my business than ensuring it was appropriate to my needs.
Policy to cover funeral costs Very helpful advice, well explained. Not intrusive and job done.
Knowledgeable and efficient Very impressed with the level of service provided, Andrew was very knowledgable about the various insurance options and provided clear straightforward advice in an efficient manner. Andrew helped us to obtain value for money and the right insurance product for us and made things simple. I would not hesitate to recommend to friends.
Quotation for PMI Extremely helpful ... Andrew gave a complete justification for his recommendations.
Very good customer service. Very good service from Andrew in terms of advice, assistance and application. Andrew is very experienced in this field and takes the time to call you and answer any questions that are related to your needs ensuring that the right product is chosen and at the best possible price. Highly recommended. Jaz.
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It depends on your personal circumstances, you may want to leave enough money to clear the whole mortgage or just part of it.
This might be because you feel your partner would be able to afford a smaller mortgage if covering the whole debt is too expensive. Some cover is always better than none!
Yes you can, when you purchase life insurance it is easy to add Critical Illness, however it can be significantly more expensive than simple life cover, so it is worth calling in and speaking to an advisor in order to personalise your quote.
No, mortgage payment protection covers your monthly mortgage payments if you are unable to work, whilst life insurance would pay out a lump sum on diagnosis of death or critical illness to ideally clear the whole debt.
Some providers allow you to modify a number of aspects of your plan using a "guaranteed insurability option":
The sum assured
Remove an individual from a joint plan
It imay be possible to "split" a joint plan into individual plans if a couple divorce or change a mortgage to individual ownership
Some people may find it difficult to take out life insurance if they have a serious pre-existing medical condition, depending on how severe the condition some providers may increase the price or decline cover.
However many insurance companies look at conditions in different ways, and so just because one company increased the price or declined cover does not necessarily mean they all will.
The best thing to do is give us a call, using our experience we will find the provider who will look at your circumstances in the best light.
Terminal Illness Cover is included for free with most providers. It could pay out if you're diagnosed with a terminal illness and you GP believes that you have 12 months or less to live, rather than on death.
Critical Illness is available when you buy life insurance at an additional cost. It's designed to pay if you're diagnosed with a specified critical illnesses during the length of your policy. The illness' considered to be critical varies sometimes dramatically between providers, so it is important to make sure that you are getting good quality as well as a good price
Read more about Terminal Illness Cover
Read more about Critical Illness Cover
Yes we can help you place your life insurance plan into trust for FREE when you take out a plan.
This can help you reduce your inheritance tax liability and will generally get the money to your loved ones faster than where probate is required.
Read more about Trusts here
Not always, you can choose to take out a plan that will pay out a monthly income instead of a lump sum.
Read more about Family Income Benefit
Yes, you can cancel a plan at any time however you wont get any money refundeed, If you cancel within the first 30 days you will get your first premium returned.
If your life insurance is placed in trust however you will need the permission of all the trusties to cancel the plan.
This will depend on the type of insurance that you purchase but it is easy to fix your price when you buy your plan. For further information use the links below
Guaranteed premiums - Fixed price
Reviewable premiums - Price will increase at 5 year intervals
Index linked plans - Price increasing in line with inflation, but your cover is going up too
Age rated plans - price goes up each year on your birthday (this is usually a bad idea over the long term)
Generally joint plans are cheaper, and if you have no other dependants or if the plan is only needed to repay a mortgage this is the best bet.
However although Individual plans are slightly more expensive (as you are covered independantly), if you both passed away there would be twice as much money for your children/other dependants.