In addition to arranging your re-mortgage or purchasing your home, Crystal Clear Home Loans can also offer you a range of life insurance policies. We can remove the hassle by phoning around and obtaining competitive quotes from the range of insurance providers on our panel.

Below is a brief outline of the types of cover CCHL can arrange on your behalf.

Term Life Assurance

• This policy will pay a lump sum in the unfortunate event of death or upon the diagnosis of a terminal illness in which you have less than 12 months to survive
• The policy can be set up to mirror the type of mortgage you have, with a decreasing sum assured for a capital and repayment mortgage or a level sum assured for an interest only mortgage
• Premiums can be quoted so that they are guaranteed throughout the term of the contract
• Critical Illness cover can be linked to the policy whether it be for the full mortgage amount or a separate set amount
• Further benefits can be added to the policy, for full details please contact CCHL

Critical Illness Cover

• This policy will pay out a lump sum on diagnosis of a specified critical illness
• The policy can be set up to mirror your mortgage in the same way that the Term Life Assurance can or as a separate set amount 
• Some of the illnesses covered are: Alzheimer's disease, Blindness, Cancer, Coma, Deafness, Heart Attack, Kidney failure, Loss of limbs, Paralysis and Stroke (diagnoses must meet the providers definition)
• Children’s critical illness cover is automatically included on any Critical Illness or Term Life Assurance and Critical Illness policies taken out, the amount of cover differs between providers, for full details please contact CCHL

Some facts & figures

1 in 3 people are diagnosed with cancer at some point in their life. Less than half of the 270000 heart attacks that occur in the uk annually actually kill their victims. The average age of women claiming on their CI policy is 41, for men its 43. 1 in 4 people will suffer a heart attack, survival rate of a heart attack is 67%. Child cover is the 6th most common cause of claim under critical illness (all of the providers on CCHL's panel offer free child CI). Each year 100000 people suffer their first stroke, 70% survive at least for one year after*. Every week 50 people in the UK are diagnosed with Multiple Sclerosis**. 270000 people have heart attacks each year, that's one heart attack every two minutes***.

 

* (source: Swiss Re, 2002) ** (source: Multiple Sclerosis Society, 2004) *** (source: British Heart Foundation, 2004)

For more details see our FAQ's in relation to insurance, or to obtain a quote, please contact us on freephone 0800 881 8024 and ask for the Insurance Department.

Details of our Mortgage Payment Protection Policies.