Life Assurance

THE PLAN WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

This is cover that pays out on death. Some plans pay upon earlier confirmation of a terminal illness where the prognosis is death within 12 months. It can pay out as a lump sum, or as income for the remainder of the policy term.

Cover can last for a set term called Term Assurance, or can last throughout life, called Whole of Life.

The amount of cover can remain the same or increase / decrease annually. Level term assurance stays the same throughout. Decreasing cover is sometimes used to cover a reducing debt, such as a repayment mortgage and usually assumes a given interest rate. Provided your mortgage rates don’t exceed that rate, then the cover should reduce at around the same rate as the mortgage. The amount you pay is called the premium. It can either be guaranteed not to change, or it can be reviewable.

Reviewable cover normally changes based on the claims experience of the life assurance company.

PROTECTION ENQUIRY FORM

Your Address

Cover Required

Renewable

I Would also like to consider critical illness

Lives Assured

1st Life Assured

2nd Life Assured

Marketing Information

Sensitive Personal Data

We may need to collect sensitive personal data including information about your health, ethnic origin, or criminal prosecutions from third parties such as employers and credit reference agencies, fraud prevention agencies and other similar organisations in order to provide you with the services, for example where you require advice on protection or mortgages products.

If you consent to us obtaining your sensitive personal data from third parties referred to above for the purpose of providing you with the services, and sharing it with third party providers and Quilter Financial Planning to obtain quotes on your behalf, for example where we are providing you with mortgage or protection advice as part of our services, please tick this box.

Submit your Information

From time to time, we would like to contact you with details about our services, products, business updates and events. If you consent to us contacting you for this purpose please tick to say how you would like us to contact you:

How should we contact you?

Telephone

Post

Yes please, I'd like to hear about offers and services.

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Please tick this box to confirm you have read and understood our privacy policy.

THE PLAN WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

Cover can last for a set term called Term Assurance, or can last throughout life, called Whole of Life.

Reviewable cover normally changes based on the claims experience of the life assurance company.

PROTECTION ENQUIRY FORM

Your Address

Cover Required

Renewable

I Would also like to consider critical illness

Lives Assured

1st Life Assured

2nd Life Assured

Marketing Information

Sensitive Personal Data

Submit your Information

How should we contact you?

Telephone

Post

Yes please, I'd like to hear about offers and services.

No thanks, I don't want to hear about offers and services.

Please tick this box to confirm you have read and understood our privacy policy.

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Company address: MBFS Mortgages & Financial Planning, 7 The Brambles, Magherafelt, BT45 5RY

T: 028 7963 4009 E: [email protected]

MBFS Financial Limited is registered as a Limited company in Northern Ireland No: NI659600. Registered address: 7 The Brambles, Magherafelt, BT45 5RY.

MBFS Mortgages & Financial Planning is a trading style of MBFS Financial Limited which is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA register (http://www.fca.org.uk/register) under reference 440703 and 440718.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.