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Life Insurance

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Get coverage built for Life Coverage

Life insurance is all about making sure your dependents have the money they need if you were no longer around. You may also be worried about getting a serious illness, such as cancer, so taking out life insurance and critical illness cover, means you would receive your lump sum on diagnosis of one of 40 conditions.

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What risks does your policy cover?

Simply choose whether you want life cover only, or life cover with critical illness, when you get a life insurance quote. We don’t just protect your financial future, we’re also here for you right now. FSIB Support Services provide a range of services including counselling and mental health support. You can learn more about the specialist services on our support services page.

Provides a lump sum if you die or become terminally ill with less than 12 months to live
Cover your mortgage, or other financial commitments you don’t want to leave behind for someone else to deal with
Cover living expenses and other things your loved ones may need assistance with.
Flexible cover to suit you and your family’s circumstances
Optional cover available for broken bones, dislocations & ligament damage
You can also add cover for your children
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          Get an Insurance Quote
          Reliable. Personable. Fast.

          Start a fast, free insurance quote with FSIB. We help you find any insurance coverages that are right for you, so you’re not paying for anything you don’t want!

          Get a insurance quote – typically in 2 minutes or less. Switch to FSIB for an insurance policy from a brand you can trust.

          Facing any problem to get a quote!
          No. There's no cash value at any time. At the end of your life insurance policy term you stop making payments and your cover ends.
          If you have an interest-only mortgage, your outstanding mortgage loan stays the same until you repay it at the end of the mortgage term. Level Life Insurance could cover this type of mortgage.

          But if you have a repayment mortgage, Decreasing Life Insurance may be more appropriate. The amount of cover reduces broadly in line with the decrease in your outstanding mortgage loan.

          If you choose level or decreasing cover, your monthly payments are guaranteed to stay the same for the duration of your policy. For decreasing life insurance, premiums are set at the start of the policy to consider the decreasing amount of cover you'll need during the policy term. Premiums for decreasing cover are often cheaper than other types of life insurance.

          With level cover, if you choose to help protect your payments from the effects of inflation, so the lump sum won’t be worth less in the future, your monthly payments may rise. The maximum annual increase would be 15% to your premiums and 10% to your cover¹.
          If you have a mortgage, you might want to take out life insurance. Then, if you die before your policy ends, the lump sum can be used to help pay off the outstanding mortgage balance, so your family could stay in their home. Some lenders will ask you to take out life insurance as part of their mortgage offer.
          No, you don’t have to take out decreasing life insurance to cover a mortgage. The reason for the policy depends on a few factors, such as what you want the lump sum to cover, and how much you want to pay each month. We offer different levels of cover to suit different needs, so you can choose which one is right for you and your family.

          Our life insurance page explains the difference between our different types of cover, and what you might want to consider. If you’re still unsure, talk to a financial adviser about your reasons for taking out insurance. You can find an advisor
          If a loved one held a life insurance policy with us and , has died, please visit our life claims page, and you’ll be able to ask us any questions you may have.

          Still have you any problem for solutions?

          For any inquiries relating to our Life insurance Policies.

          Head office address:

          15 Chapel Street, Woodhouse, Sheffield, South Yorkshire, S13 7JL UK

          Call for help:

          +44 7754546324

          Mail for information:

          info@firststopinsurancebrokers.com insure@firststopinsurancebrokers.com alan@firststopinsurancebrokers.com scott@firststopinsurancebrokers.com