Do your ever increasing life assurance premiums alarm you?

They should, because where will they be in 10 or 20 years time. Imagine locking and fixing your premiums at the age you are today, for the decades ahead. After all, you’ll never be this age again so grab the opportunity to lock in the premium. Contact us.

Is your life assurance designed to be in force at death?

Probably Not. If it is Yearly Renewable Term Assurance it is actually designed to terminate before you die. It becomes prohibitively expensive as you get older, forcing you to cancel your cover. (approx only 1% of Term Assurance results in death claims)

So Who wins? The Insurance Companies and Banks who issue these policies. Who loses? You! And your dependents! After all, what Life Insurer wants to insure 65 or 75 year old!

Term Assurance can be compared to renting versus owning a home. It has initial advantages in the short term, but in the long term there are serious drawbacks to taking this cheaper option. It is not generally understood just how expensive this ‘renting’ option becomes, as you will never have any benefit back from the premium dollars paid out unless you die while the cover is in force.

Do you know when you will die??? Of course we don’t! But it is a guaranteed fact of life. Make sure your policy is always in force to fulfil your intended commitments.

The smart alternatives

Would you like to pay the same premium in 10 to 20 years as you are today?

Would life cover that is free after retirement interest you?

Would life cover with a guaranteed refund of premiums interest you?

We will offer you solutions from Life Assurers who have designed products to address these social concerns and who have a social conscience.

Contact us

Please contact Michael or Gwyn Gray to discuss your insurance concerns. We promise you the best possible advice.