Life Assurance is more than just a policy – it’s a promise to protect the people you love most when they need it the most. It offers peace of mind, knowing that if the unexpected happens, your family won’t face financial hardship alone.
Whether it’s making sure your loved ones can maintain their lifestyle without the worry of lost income, covering funeral expenses so they can grieve without added stress, safeguarding them against inheritance tax, or clearing debts that could weigh them down – life assurance is the gift of security and care.
From mortgage protection to whole life and term life policies, we’re here to help you find the right cover that fits your life and your family’s needs.
At Hastings Insurance, we take the time to understand your unique situation so we can guide you to the protection that truly matters.
Fill in our enquiry form below, and one of our caring team members will be in touch to support you every step of the way.
Subject to underwriting acceptance criteria, policy terms and conditions apply at all times.
This is a simple and cost effective type of life assurance. Mortgage protection is the cheapest life assurance and will meet the requirements of lenders. This specific type of cover is designed to clear the outstanding debt on your mortgage.
The amount of cover decreases in line with the anticipated reducing balance of your mortgage. Serious Illness can be added to this cover. Serious Illness pays a lump sum off your mortgage, equal to the sum assured, in the event that you are diagnosed with a serious illness as set out in your policy conditions.
This cover provides a selected amount of cover over a certain number of years. The premiums and amount of cover remain fixed during the agreed term.
There are various types of level term cover:
You can also add what’s known as a Conversion Option onto your policy. This allows you to extend your current policy at the end of its term without having to provide fresh medical evidence. The insurer must offer you cover based on your health when you took out your policy.
This cover is designed to cover you for the whole of your life. There is no end date to Whole of Life cover provided premiums continue to be paid. Whole of Life cover is generally used to protect loved ones against an inheritance tax bill and/or to cover funeral expenses.
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