Life Insurance Quotes - Life Insurance Broker Devon - Income Protection for high risk occupations

Focus on insurance

Just in case

Not only can we generally save our clients money on different mortgage deals, but we also have the facility of assessing a range of insurances that are associated with your mortgage. It can be looked at in full detail for additional savings that can really add up. Take a look at our case studies and scenarios below and see how little insurance costs.

Insurance is often considered expensive and can sometimes be left out of the equation when it comes to buying your home, we at KMS feel that it is inexpensive if researched and set up correctly, compared to the devastating effects that it may have on your life should you not have suitable cover in place. We will never force you to have insurance, only guide you through the possible options available to you and assist you in a seamless and stress free way of arranging it for you with the peace of mind that you know we have the facility of sourcing the market for the best available options.

We have provided some example quotes for illustrative purposes only and should not be construed as recommendations or advice. Click the link for you own personal illustration

Life Insurance

Mr & Mrs E, are looking for straightforward life cover (cheap life insurance) to protect their £130,000 mortgage for the next 22 years. Mr E is 31 and is a smoker and Mrs E is also a smoker and aged 28.

Premiums ranged from £17.58 through to £26 all of the premiums quoted were guaranteed for the life of the plan not to be increased as the client feared the premium increase option would become to expensive for them in the future. Peace of mind was required.

For your instant online protection quote click here, or for a personal service call now more information Contact us

Life & Critical illness cover

Mr P & Miss B have an interest only mortgage and need both Life and Critical illness cover to protect their loan. They are seriously concerned that the mortgage should be paid off should either of them suffer a critical illness.

Mr P is 25 and Miss B is 22 both clients are non smokers. The level of cover required is £116,000 for a 25 year period. Premiums ranged from £36.91 through to £52.28 these premiums ranged with Guaranteed premiums and Reviewable premiums.

Not all critical illness policies cover the same illnesses. For more information please contact us.

For your instant online protection quote click here, or for a personal service call now more information Contact us

Income Protection

Mr L is 31 years old, non smoker and in a higher than usual risk occupation and is looking to replace some of his income (income protection insurance) in event of any illness that may prevent him from being able to carry out his normal duties at work. The Government restricts any insurer to an absolute maximum of 60% of the gross income earned, so therefore with Mr L, his salaried income is £30,000 and is entitled to apply for a benefit of £1250pm.

There are options of multiple deferred periods, ranging from day 1 cover, through to 102 weeks, logically, the shorter your deferred period, the more expensive that it will be. Mr L requested a deferred period of 52 weeks as he had existing short term accident sickness cover for 12 months.

Researched showed that there was a range of policies that would provide him with £1250pm until he reached the age of 65 prices ranged from £25pm through to £149pm.

We also have providers who do not descriminate against hi risk occupations, smokers or gender for income protection

For your instant online protection quote click here, or for a personal service call now more information Contact us

Buildings and Contents Insurance

Mr & Mrs B have been in their home for 10 Years and not made any claims on their policy since having it, their premiums were in the region of £28 with very comprehensive cover. In re-quoting their policy, cover was offered with Full accidental damage on both Buildings and Contents with a £100 excess and lots of extras (like for like) for a new monthly premium of £20.24pm . Yes only a saving of £7.76 per month but if they had this policy from inception it would have amounted to over £900 of savings.

For great deals on Buildings and contents insurance.Contact us now or alternatively for your instant Buildings and Contents quote, click here to apply instantly on line.

Accident Sickness and Redundancy Cover

Miss B has just taken a mortgage out and has concerns over what would happen if she was made redundant or was unable work due to an accident or sickness. Her mortgage commitment was £400 per month, and other associated bills such as Electricity, Gas, Water rates and Council Tax bills amounted to an additional £230.

Quoting on the Accident Sickness and redundancy plan where £630 per month is paid tax free to the client to pay those bills equated to only £31.19 per month, that's only £1 a day for peace of mind.

The level of cover is available on different arrangements, with different deferred periods, also it can be set up with Accident & Sickness only or Un employment cover only. Different rates are used for different requirements.

For your instant individual protection quote, click here to apply instantly on line... or call us now or e-mail us for more information Contact us

For Buildings and Contents insurance and Accident Sickness and Redundancy Insurance we offer products from a selected panel of providers. The quotes will be provided by Ceta, who are dedicated General Insurance Brokers.

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• Please contact us or call 0800 037 8432 to discuss your insurance requirements »