Could you pay your mortgage/debts if you lost your income or the income from a joint mortgagee?

If the answer is NO then you need to take out some protection.

We can help you protect against the loss of income due to any of the following:

• Ill health Unemployment Critical Illness
• Death of a Spouse, partner, joint mortgagee

Pension Term Assurance
Pension Term Assurance provides the same benefits as standard term assurance but uses the rules for pension schemes. This product has become available due to changes made after ‘A-Day’ (6th April 2006) and it means that you can obtain tax relief on your monthly premiums.

Basic rate tax relief is taken from the premium payable and higher rate tax payers can claim the extra relief via self assessment tax form. Premiums after tax relief will usually be cheaper than standard term assurance or mortgage life insurance, therefore it is a cheaper way to protect your loved ones in case of the unthinkable.

The premiums will count towards your annual allowance and benefits will count towards your lifetime allowance limit. For more information on Pension term assurance enter your details in the contact us section or phone 0845 466 0265 to speak to an adviser.

Protection Products Available through Charles Conran Financial Services:

Want a quote?
Please complete a Protection Product Quote Request Form from our download section.