Help with life insurance/assurance needed please

Hristo

First of all hi to everyone. Newbie here. Great website.

Looking for advice on life insurance/assurance please - to cover mortgage repayments and to have a bit left over etc.

Married couple, 32male, 31female, baby (5 month old), both work, both £19,000 per year, repayment mortgage £79,000 over 21 years, non smokers. No outstanding debts ie credit cards etc. Both eligible for £32,000 early death in service benefit.

I have had a good look at info on the site and I am just looking to find out what we should be looking at in particular.

Sorry if I appear a bit dim - I am just overwhelmed by the all the info available so a few pointers would be really welcomed.

Any info will be greatly appreciated. Thanks in advance.

Trojan1965

Hristo,

Under FSA rules/regs, only qualified IFAs (independent Financial Advisors) or regulated companies can give advice regarding this. Best bet is start with your bank/building society.

dunstonh

deanfranklin wrote: »

Hi,

Hristo is correct about having to be qualified and regulated. I can advise you under FSA regulations, free of charge if you would like to email me at [EMAIL="dean@seasensemortgages.com"][EMAIL="dean@seasensemortgages.com"]dean@seasensemortgages.com[/EMAIL][/EMAIL]

The above post is a breach of FSA rules on advertising (as well as being against board rules).

I suggest all the posters here note the company name seasense mortgages and blacklist it. If they are willing to breach FSA rules to get you to contact them, what other rules are they breaking to get your business.

Edit: my goodness, their website says "A fee of upto 2% of the mortgage amount may be charged". That is ridiculously expensive.

Also, their website says: "In a highly regulated Financial industry, you can rest assured in the knowledge that we have to adhere to strict standards in all our dealings with you throughout the mortgage process." - About time you acted like you say you do.