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Essential Insurance Services is a trading style of Essential Finance Group (UK) Limited an appointed representative of Essential Finance Group Management Limited authorised and regulated by the Financial Conduct Authority No. 782710. Essential Finance Group (UK) Limited is registered in England and Wales, No. 9357808.
*Over £200,000 from under £2 p/w: A 28 year old non-smoker can get Level Term Life Cover of £207,000 over a 29 year term for a monthly premium of £6.53/Aviva.
*Over £100,000 from under £3 p/w for smokers: A 28 year old smoker can get Level Term Life Cover of £102,700 over a 44 year term for a monthly premium of £9.04/Scottish Widows.
*Over £47,000 from under £2.60 p/w for CIC: A 25 year old non-smoker can get Level Term Life and Critical Illness Cover of £48,000 over a 26 year term for a monthly premium of £10.09/Zurich.
*Over £265,000 from under £2 p/w for mortgage protection: A 25 year old non-smoker can get Initial Life Cover of £272,700 over a 40 year term for a monthly premium of £6.79/Aviva. This life cover will decrease over the length of the policy to cover a mortgage. An interest rate of 8 % is used to calculate the life cover payable on death at any point in the future up to the end of the policy. This policy is therefore only suitable for all loans with an average mortgage interest rate of up to and including 8 %.
*Whole of Life Quotes from under £2.50 p/w: A 20 year old non-smoker can get Level Term Life Cover (Whole of Life) of £8,100 for a monthly premium of £8.27/Vitality.