Looking to protect yourself, your family or cover a new or existing mortgage? If the answer is yes then Firstxtra can help by providing independent specialist advice from a range of the UK’s top insurers.

Our life and critical insurance specialists will arrange an appointment to discuss your requirements and this can be done by phone or face to face. We believe strongly that by doing this we can provide you with a tailored product to suit your individual requirements.

There are many different types of life and critical insurance available and these include decreasing, cover, level cover or increasing cover and these can be taken with guaranteed or reviewable premiums. The policies would either pay out a lump sum payment or can also be taken on an annual payment which can also be called family income benefit.

This type of insurance can cover in the event of death or earlier critical illness the insured person or persons. The minimum amount of cover required is based on your current circumstances and budget and this will be individually tailored to your needs.

Cover can either be in joint names where cover is on the first death or earlier critical illness or single names where cover is provided for both deaths or earlier critical illness. Where single policies are to be taken out we would always recommended placing these in trust.

Premiums are calculated on current age, smoker status and current state of health and then can be guaranteed not to change. The cost of these premiums will be considerably lower at younger ages.

To get great advice about which life and critical illness policy is most suitable for you then contact Firstxtra now for advice and a quotation.