Common Life Insurance questions.
Common Life Insurance questions.
Please contact us with your Insurance query
Please contact us with your Insurance query
Simply enter your details below for us to help you.
By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your insurance requirements. You voluntarily choose to provide personal details to us via this website.
Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
Simply enter your details below for us to help you.
By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your insurance requirements. You voluntarily choose to provide personal details to us via this website.
Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
By submitting this data, I am consenting to the use of my data in line with our Privacy Policy
By submitting this data, I am consenting to the use of my data in line with our Privacy Policy
Why use us?
Why use us?
We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.
We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.
We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism.
We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism.
We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.
We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.
We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.
We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.
Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.
Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.
We are qualified to advise you on your equity release requirements.
We are qualified to advise you on your equity release requirements.
Is life insurance worth getting?
Is life insurance worth getting?
Under the terms of a Life Insurance policy, the insurance company pays a specific sum after death, or upon death within a chosen term.
Under the terms of a Life Insurance policy, the insurance company pays a specific sum after death, or upon death within a chosen term.
Why do I need life insurance?
Why do I need life insurance?
A Life Insurance policy is designed to provide peace of mind.
A Life Insurance policy is designed to provide peace of mind.
Which life insurance is best?
Which life insurance is best?
It is important to seek professional advice, when arranging Life Insurance. This way you can be assured that you have the right level and type of cover for your needs.
It is important to seek professional advice, when arranging Life Insurance. This way you can be assured that you have the right level and type of cover for your needs.
What age should you get life insurance?
What age should you get life insurance?
Life Insurance is recommended to anyone who has a mortgage, or children or other financial dependents.
Life Insurance is recommended to anyone who has a mortgage, or children or other financial dependents.
What is the average life insurance cost per month?
What is the average life insurance cost per month?
The amount you pay will depend on your age, your health circumstances and the type of insurance that you choose to have.
The amount you pay will depend on your age, your health circumstances and the type of insurance that you choose to have.
Term
Term
The Life Insurance Process
The Life Insurance Process
Working with HB Partners
Working with HB Partners
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An informal introductory conversation
An informal introductory conversation
Our protection experts will work to understand your personal risks. We then walk you through the options available and answer your initial questions, such as how much cover do I need?
Our protection experts will work to understand your personal risks. We then walk you through the options available and answer your initial questions, such as how much cover do I need?
We will look for the most appropriate insurance product to meet your circumstances. This may be Life cover only, Critical Illness, Whole of Life Insurance or Income Protection?
We will look for the most appropriate insurance product to meet your circumstances. This may be Life cover only, Critical Illness, Whole of Life Insurance or Income Protection?
Our Expert Recommendation
Our Expert Recommendation
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Discover the right Life Insurance for you
Discover the right Life Insurance for you
Your Protection Adviser will calculate the amount of cover required, then compare the relevant providers who meet your needs. We will then discuss our findings with you and make our recommendations.
Your Protection Adviser will calculate the amount of cover required, then compare the relevant providers who meet your needs. We will then discuss our findings with you and make our recommendations.
With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.
With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.
Full Application
Full Application
Life Insurance policies come in a variety of forms and serve different purposes. We will help you to navigate the Life Insurance market and find the right product for your situation. There are four main types of Life Insurance:
Life Insurance policies come in a variety of forms and serve different purposes. We will help you to navigate the Life Insurance market and find the right product for your situation. There are four main types of Life Insurance:
What is 3 + 5 =
What is 3 + 5 =
Meet the Team
Meet the Team
HOW DOES A LIFE ASSURANCE POLICY WORK?
HOW DOES A LIFE ASSURANCE POLICY WORK?
Life Insurance provides you with the peace of mind that comes with knowing that your loved ones are protected should the worst happen.
Life Insurance provides you with the peace of mind that comes with knowing that your loved ones are protected should the worst happen.
WHAT IS A RENEWABLE TERM INSURANCE?
WHAT IS A RENEWABLE TERM INSURANCE?
This is a term insurance policy with a clause allowing the policy term to be extended, without the policyholder having to reapply for cover in the future, no matter their health circumstances may change.
This is a term insurance policy with a clause allowing the policy term to be extended, without the policyholder having to reapply for cover in the future, no matter their health circumstances may change.
WHAT IS A WHOLE OF LIFE INSURANCE POLICY?
WHAT IS A WHOLE OF LIFE INSURANCE POLICY?
This type of insurance pays out a lump sum when you die. This lump sum can be used to pay imminent inheritance tax liability.
This type of insurance pays out a lump sum when you die. This lump sum can be used to pay imminent inheritance tax liability.
WHICH IS BETTER, TERM OR WHOLE OF LIFE INSURANCE?
WHICH IS BETTER, TERM OR WHOLE OF LIFE INSURANCE?
Term Insurance provides cover of a set period of time, such as the duration of a mortgage. Whole of Life Insurance provides cover for an indefinite period, and will pay out when the policy holder dies.
Term Insurance provides cover of a set period of time, such as the duration of a mortgage. Whole of Life Insurance provides cover for an indefinite period, and will pay out when the policy holder dies.
Frequently Asked Questions
Frequently Asked Questions
If you have a specific question, click the button below, and we will do our best to answer this for you.
If you have a specific question, click the button below, and we will do our best to answer this for you.
What our clients say
What our clients say
Mark Culham
Adviser & Co-Founder
Mark Culham
Adviser & Co-Founder
Steve Jascourt
Adviser & Co-Founder
Steve Jascourt
Adviser & Co-Founder
"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."
"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."
“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”
“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”
What our clients say
What our clients say
