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Tony and his team at Apex have been fantastic for my wife and I during our remortgage to release funds for building works. Remortgaging during uncertain times they made us feel at ease and ensured we was updated every step of the way. Obtaining us a fantastic deal enabling us to have financial stability. Huge thank you to the Apex team!Joe Arney, 06th October
From start to finish, Shanine felt like a qualified and trusted friend helping us to get the best deal possible for our mortgage as first time buyers. Her professional and relaxed approach gave us total confidence in the process. We had previously tried working with a different mortgage advisor so were impressed by the deal that Shanine was able to secure for us. We can’t praise or recommend her enough!! We just hope we’ll be working together for a very long time - thank you, Shanine! :)MJ, 06th October
A massive thank you to James for helping me with my life and critical illness insurance. He did a free health check on my existing policies and discovered I was paying way too much, and also that the cover wasn’t right for me. James found me a great joint policy that met all my insurance needs, and he also saved me some money! Can’t thank James enough for doing such a great job and making the whole process really simple and stress free. Highly recommendedMax. 06th October
Life Insurance is pretty simple. You pay a monthly fee, and if you die a lump sum of money (‘payout’) is left to the people you leave behind, meaning money is one less worry for them.
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Level term insurance policies pay out to your dependants if you die within a fixed term which is chosen by you – 25 years, for example. The premiums stay the same, as does the pay-out whether you die on the first day or the last day of the policy.
Whole of life policies pay out regardless of when you die, whether it be the day after you take out the policy or at the age of 103! One specific type of low-cost whole life insurance is the Over-50s policy, mainly designed for those looking to cover the cost of their funeral and little else.
Decreasing term insurance policies are usually aimed at covering the remaining debt on a repayment mortgage if you die within a set number of years. The pay-out decreases over the policy term, usually in line with the remaining mortgage debt.
Within these policies, couples must also decide whether they wish to take out joint cover or two single life policies. Joint cover is cheaper, but only pays out once when the first partner dies. Two single policies should provide a greater level of protection to other dependants.