Life Insurance

Life Insurance and Critical Illness Cover* will protect you or your family from being financially disadvantaged if you die or are diagnosed with a specified critical illness during the term of your mortgage.

 

These plans 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.

 

There are many things to consider when setting up your policy such as level or decreasing cover, single or joint policies, reviewable or guaranteed rates, level of cover, term of cover and so on.

 

Also whether the policy should be written into a Trust, this on its own could potentially protect 40% of the proceeds of your policy unnecessarily being paid to the taxman.


It is again important you take advice, we have a carefully selected panel of UK insurers that can offer competitive products. We'll get you the right policy at the right price and if the worst does happen ensure you leave the right money in the right hands at the right time.

 

Products & Related Products We Can Advise You On :-


  • Life Cover
  • Critical Illness Cover*
  • Trusts
  • Family Income Benefit
  • Mortgage Payment Protection
  • Income Protection
  • Business Assurance

 

The Financial Conduct Authority does not regulate tax planning and trusts.

Tax treatment is based on individual circumstances and may be subject to change in the future.
Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.

 

*Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document if you go ahead with a plan

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Kingston Mortgage Services Ltd is an appointed representative of TenetLime Ltd which is authorised and regulated by the Financial Conduct Authority. TenetLime Ltd is entered on the Financial Services Register  (www.fca.org.uk/register) under reference 311266

Kingston Mortgage Services Ltd is registered in England and Wales.

Registered Office: Kingston Mortgage Services Ltd, Ashley House, 136-138 The Broadway, Tolworth, KT6 7JD. Registration No. 05628948.

Typically we charge a mortgage fee of £293 for standard mortgages and re-mortgages. We may also receive commission from the mortgage lender. Any fee charged is payable on application.