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Life Assurance

You may need insurance as part of your mortgage and we can arrange whatever you may need in the way of life, critical illness or income protection cover.

Level term life assurance

Level term assurance is a life assurance contract that pays out a set sum if you die
within the term of the policy. Level term contracts are usually used to cover fixed
repayment values such as an interest only mortgage where the amount that you owe
remains the same until the end of the mortgage. When a term insurance policy
expires it has no value so if you do not die within the term you get no money back.

Mortgage decreasing life insurance

This kind of insurance is typically used to cover a repayment mortgage where the
amount that you owe reduces as you make your repayments. The premiums will not
change during the lifetime of the policy but the amount that will be paid if you die will
reduce from the full amount that you specify at the start to zero at the end of the
term. When a mortgage decreasing life insurance policy expires it has no value.

Critical illness cover

Critical Illness cover is insurance that pays out if you are diagnosed with an illness
specified within the policy. It is designed to help you adapt if your life is changed by
an illness. The illnesses covered by each policy vary so it is important to read the full
details of the plan that you are considering. As with life cover you have the option of
taking out level term or mortgage decreasing critical illness cover.

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Tel: 0800 9701795
Email: office@acorn4mortgages.co.uk
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The Legal Stuff

© Acorn4Mortgages Limited. Registered address: 1-3 The Mall, Ambrose Lloyd Centre, Mold, Flintshire, CH7 1NR. Registered in England & Wales under number 4270415.

Acorn4Mortgages Limited is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service. You may be able to submit a claim through the EU Online Dispute Resolution Platform if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.