Lifetime Planning
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Lifetime Planning Mortgage & Protection Services Expert knowledge regarding one of life's biggest financial decisions - buying a house. As a Mortgage and Protection Broker we are able to get you the most suitable deal at a competitive rate through our choice of both broker only and high street deals. Moreover, through remaining up to date with the latest on Mortgages and Protection we are able to confidently advise you.

From our offices in Glasgow, we offer mortgage advice throughout Scotland. This firm charges a fee of up to 595 for mortgage advice. The fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.

You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. We search through some of the UK's biggest mortgage lenders, below are a selection of them.
Highlights

read more › Pays out lump sum or regular payment in the event that you are diagnosed with a serious illness specified in your policy. Ensures you have an income if you're unable to do your own job due to becoming ill or an accident. Life cover focused on ensuring your family home is secured in the event of death or critical illness. Pays out a lump sum to help with funeral costs, cover unpaid bills or leave an inheritance for grandchildren or loved ones. Pays out if you lose your job or become unable to work through illness, injury or redundancy.

read more › Life Insurance is a policy designed to pay out a payment to your loved ones in the event of your death or terminal illness (when you have less than 12 months to live). Relieves the financial worries from your family. If you were to die would they have enough to cover the mortgage, bills, general living expenses and funeral costs without you?. There are specific types of cover depending on what you want and your circumstances: Mortgage Protection, Family Income Benefit and Over 50s Cover. Term - as the name suggests this is for a set term such as 5, 10 or 25 years and only pays out if you die within the selected term of your policy.

read more › Critical Illness Cover pays out when the worst happens and you're diagnosed with a critical illness (specified in your policy) such as Cancer or Stroke, including children's critical illness. Having a Critical Illness Cover in place can help ease your recovery by paying out the money you need for your care and treatment, your recuperation, help pay off your mortgage or make up for lost income. Critical Illness Cover can differ policy to policy. Make sure you know the conditions that your policy covers to ensure you have the cover you need.

read more › Income Protection Cover is a policy that pays you a regular income if you can't work because of injury or illness. It helps meet your outgoings in the event you are unable to work. Could you still pay your mortgage, bills or other living expenses if you were unable to work? On a monthly basis. It continues to pay out until you return to paid work or you retire (whichever is sooner). Insurance providers will not pay out if you are not honest or if you haven't told the whole truth during application.

read more › It guarantees to accept anyone within this age, without the need to fill out health questionnaires or take a medical examination. As life insurance costs increase with age, Over-50's plans are an affordable way to buy life cover. It can help to pay with funeral costs, cover unpaid bills or leave an inheritance for grandchildren or loved ones. This policy will set out the terms, conditions and limitations of cover provided under the plan. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.

read more › Accident, sickness and unemployment insurance (ASU) pays out if you lose your job or become unable to work through illness, injury or redundancy. By having ASU in place, you will typically receive a proportion of your income for up to 12 months which can then be used to help cover your monthly outgoings. You'll pay a monthly premium for the cover, which rolls over month by month until you cancel the policy or make a claim. We'll discuss what suits your circumstances. This Payment Protection Insurance is optional.

read more › Family Income Benefit is a form of life insurance that would pay out to your loved ones in the event of your death. It's well suited to young families with children as it's affordable and may offer the right level of essential cover. The policies are designed to pay out a monthly tax-free income to your family until a specified date. This isn't a savings or investment product; if a claim hasn't been made by the end of the policy, nothing will be paid at the end. This policy will set out the terms, conditions and limitations of cover provided under the plan.

read more › Your circumstances will change over time and therefore the most suitable cover may also have changed. For example, you have had a child, you may now only have one income as oppose to two for whatever reason or you may have a new mortgage. You may also get a better deal in terms of what you are paying and what is included in your deal. Some of the providers include great extras in their policies such as a weekly Cafe Nero coffee, half price gym memberships and access to the world's best doctors.

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