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How would your family
survive if the worst
happened?

Highly experienced, trusted and professional advisers for mortgages, family protection insurance and home and contents insurance.

Life Insurance

How would your family survive if the worst happened and you died tomorrow?

It’s a tough question, but it’s a good question to ask when you are taking out a large debt against your home. Often, people leave it too late to ensure that their home and family would be protected against the risk of death, and can leave more than just emotional pain behind.

Life insurance generally pays out a cash lump sum if you die within the term of the policy. Cover is usually on a level or decreasing basis.

Level Term Assurance
This cover will ensure that the cover you take out remains the same throughout the term of the policy, so you know exactly what you will get upon a successful claim.
Decreasing Term Assurance
Often referred to as Mortgage Protection, as this will decrease over the term in line with a repayment mortgage. This will reflect the outstanding balance on your mortgage to ensure the debt can be paid off upon a successful claim.
Family Income Benefit

Pays out a monthly income rather than a lump sum. Can be used for replacing a lost salary or paying for ongoing costs such as childcare, school fees and general household outgoings.

It’s our professional responsibility to ensure that your home and family are protected and that you are aware of the risks involved with taking on a mortgage. We can discuss and help assess your circumstances with you to discover if Life Assurance is relevant for you and what level of cover would be most appropriate.

Please contact us to discuss your Life Insurance requirements

This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.

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Why FirstXtra?

Long established family run business

Providing personal, professional and honest advice, putting the customers best interests at the heart of everything we do.

Award winning for Quality and Service

This is shown by the number of 5 star reviews we receive on the independent site Feefo.

We are personable and friendly

We provide a fully individual and bespoke service to each customer and we genuinely care about your experience.

Taking the hassle out of the process

Making it as simple and stress free
as possible for you.

We don’t just do Mortgages!

We also provide you with bespoke family  and home protection products.

On hand to contact

We will be there through the life of your mortgage and protection policies with immediate response times.

Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority

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