Life insurance could protect you and the people you love

Here at RM Mortgages, we offer life insurance in Birmingham for those who need it.

Term Life Insurance, also referred to as simply life Insurance or Term Insurance gets its name from the fact that it provides protection for a set term of years.

This form of term life insurance is often linked to a mortgage to ensure that the outstanding debt is repaid in the event of one of the parties death during the term and is often set up with a term of between 5 to 40 years.

However, there are other forms of term life insurance including:

  • Decreasing Term Assurance where the amount of life insurance cover reduces throughout the term of the policy. This type of insurance is often used for repayment mortgages where the debt is also reducing over the term of the mortgage.
  • Level Term Assurance where the amount of life insurance cover stays the same throughout the entire term. This type of cover is often used for interest only mortgages or to protect the family should a spouse / partner die when the children are still dependant upon their parents.
  • Increasing Term Assurance or Indexed Term Assurance where the sum assured increases over time to take account of inflation. This is often a better solution for Family Protection needs.
  • Family Income Benefit where rather than providing a lump sum on the death of a spouse or partner the policy will pay out a monthly income to help replace the income to the household which has been lost.

speak with an expert

If you’re considering any type of protection policy, speak to our specialised advisors today for professional advice and support.

Why trust RM Mortgages Solutions?

By choosing us as your protection advisor, you can be sure to receive comprehensive advice from experienced professionals with access to cutting-edge technology and the latest information on the current protection market. Our team of experienced professionals takes pride in their ability to build long-term relationships with clients to ensure that they always have sound financial advice.

We understand that each client’s situation is different, so we work hard to ensure that each protection package is tailored specifically to your requirements. We always provide impartial advice and unbiased opinions – allowing our clients complete peace of mind when making important financial decisions.

To discover what RM Mortgage Solutions can do for you, get in touch with our specialist advisors today.

what our clients are saying

We are Highly Rated Mortgage Broker in Birmingham
As a well established independent mortgage broker in Birmingham, we take a lot of pride in providing our clients with a first class service. We have successfully helped to arrange mortgages for first-time buyers, home movers, landlords, and clients remortgaging across Birmingham including Lichfield, Walsall, Wolverhampton, Coventry & Tamworth. This is illustrated by the many outstanding reviews our clients have written about us.
Visit our Reviews page. Our many reviews can also be viewed on our Google & Facebook pages.
See Our Other Protection Services

get in touch

Take the first step into owning your very own home