Life Insurance

Life Insurance

Protecting your family with the right insurance policy is also very important to us. We offer the most suitable, affordable Life Cover to help protect you and your family should a life changing condition suddenly arise through Death or the diagnosis of a terminal illness.

We have helped people obtain life insurance who have experienced life changing illnesses, such as Type 2 Diabetes, Heart Attacks an certain types of Cancer.

Once we know what type of illness you have experienced, we can search the whole market to find the most suitable insurance company to cover your needs.

Life Insurance- What is it?

A Decreasing Term life insurance is the most basic form of life insurance and is the cheapest way to insure your life. It covers you for a fixed period and pays out a one-off lump sum if you die during the policy term.

Who is it for?

Most families rely on joint incomes to cover essential bills, such as a mortgage. Along with all of the other bills associated with a home / family.

They are designed to help protect the remaining members of the household should a key person within it pass away.

A Life Insurance Policy is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage or other credit commitments.

As Independent Financial Advisers we can help you find the plan that best meets your needs.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse. The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents

Builders and Developers

Generally require a small amount of money or well into the Millions to develop a site. We at Thomas & Co have access to those specialist lenders. Provided the land is mortgage free and full planning is in place, Thomas & Co are often able to secure finance against the site with 100% build costs available to the developer.

Development Finance is set up with Draw-Down payments released at certain stages of the build. Payments and lenders fees are generally rolled up into the loan. Very similar to a Bridging Loan.

Providing you have “Approved Plans” we can help you secure the finance you need. From a one-off self-build, to full housing estate builds, we can help and advise you on how to obtain the very best interest rates in the market.

Everyone’s bridging needs are different. Call Thomas & Co to discuss your needs in more detail.

Everyone’s bridging needs are different. Call Thomas & Co to discuss your needs in more detail.

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