life,health ins,,who knows?

deano72_2

hi,im looking in to getting some sort ins to cover me from either death or some sort of serious ilness.ive got 2 houses so all i need is some sort of ins to cover the morgage £180k if im ill or die.what do you sugest.. thanks

dunstonh

For life cover; Level term, pension term, decreasing term, pension decreasing term would be the best options normally depending on personal circumstances and what mortgage you have.

Guaranteed premiums are better than reviewable but more expensive (in the short term). Current costed/yearly renewable should be avoided.

Income protection can come in mortgage related form or permanent health insurance. Both have advantages depending on circumstances and both have budget and full options and variations between providers so price is not the only thing to look at.

As we dont know your circumstances, its hard to narrow it down more than that at this stage.