Let Us help you arrange your Life Insurance

Caz Blake-Symes • October 19, 2023

Bristol Mortgages Online, Weston Mortgages Online, Bath Mortgages Online and Exeter Mortgages Online are all independent, whole of market, mortgage brokers that focus on finding a great deal and the best mortgage for you and your personal circumstances.

As an Independent Mortgage Broker, we are not only mortgage specialists, but we can also access the whole market for your insurance protection needs too.

 

Many banks and building societies and estate agents are “tied” to one insurer, and therefore cannot compete with an independent specialist like us on cost or benefits as they only offer one product. This is a complex area and, in our view, is sometimes a more important decision than the mortgage. Whereas a mortgage deal may only last two or three years, the right protection could last the whole term!

 

We therefore always have a free face to face consultation with you and one of our experienced advisers to discuss your individual requirements to help us with our personal recommendations.

We have listed below a brief description of some of the many types of protection currently available, which may help narrow down your choices. Please feel free to call us and we will arrange an appointment with you at home, in your office, at one of our offices or via Zoom.

 

Life Cover

What is life insurance?

Life insurance is a type of insurance policy designed to help cover your loved ones’ financial needs after your death. Most life insurance policies will pay out a lump sum of money if you die within the specified time period. This means that, regardless of your own financial situation, you can leave your family the money they need to use.

 

How does life insurance work?

Life insurance can help you protect your family after you’re gone, which means that policies pay out after you die. This money will usually be paid to the deceased’s estate and then managed through probate, unless the policy is written into trust with a named beneficiary in which case a lump sum would be paid out.

 

Types of life cover policies

Please note that we can quote you for life insurance, critical illness cover or a combination of both types of protection, to suit your specific requirements.

Decreasing term assurance

This product provides a lump sum on death. Cover decreases each year, in line with the balance of a repayment (capital & Interest) mortgage.

Level Term Assurance

As above, but cover remains level throughout the term.

Family income benefit plan

For this type of policy, after the death of the policyholder, the family/beneficiaries receive a monthly/annual payout over an agreed period of time, rather than a lump sum at the point of death.

Whole of Life cover

This type of policy covers the policyholder until their death, rather than during a fixed term. These policies will often have premium reviews built into the policy at prespecified times.


Our experts at Bristol, Weston, Bath and Exeter Mortgages Online, as fully independent mortgage brokers, will investigate the whole of the market on your behalf and discuss the best options to meet your specific goals and circumstances.

For further details about the mortgage and protection products we offer as a fully independent mortgage broker, or any other mortgage information, book your FREE CONSULTATION with one of our expert Mortgage Advisers.


Bristol Mortgages Online             www.bristolmortgagesonline.com               Tel 0117 325 1511

Bath Mortgages Online                  www.bathmortgagesonline.com            Tel 01225 584 888

Weston Mortgages Online            www.westonmortgagesonline.com       Tel 01934 442 023

Exeter Mortgages Online               www.exetermortgagesonline.com         Tel 01392 690 888


Email info@swmortgages.com

Check out our November newsletter!

By Caz Blake-Symes • November 28, 2025
Please click here to see our November newsletter This month’s edition is packed full of interesting articles, including What does the Budget mean for you? Interest-Only Mortgages For Later Life. Need Short-Term Property Finance? What is the Renters’ Rights Act, and what does it mean for tenants? What You Should Know About Second Charge Mortgages Time to Remortgage? Stunning 5-star Google Reviews! Let Us Help You If You Have Adverse Credit How to Contact Us You can also read more articles on our Blog. We hope you enjoy this Newsletter. If you have any queries, please call Phil Clark on 0117 325 1511 or email info@swmortgages.com

Budget 2025: Key points at a glance

By Caz Blake-Symes • November 27, 2025
Rachel Reeves has set out details of her second Budget since becoming Chancellor. Some measures from the yearly tax and spending plan had already been announced in the days leading up to the statement.

Interest-Only Mortgages For Later Life

By Caz Blake-Symes • November 19, 2025
We are thrilled to be able to offer this fantastic product through the Family Building Society. This interest-only mortgage gives those of retirement age and beyond the opportunity to free up equity from their home, without the huge costs often faced when considering Equity Release or a Lifetime Mortgage.

Need Short-Term Property Financing?

By Caz Blake-Symes • November 12, 2025
Thinking about buying a new property before selling your current one? Or maybe you need quick funds to complete a renovation or secure an investment opportunity? You’re not alone. With today’s fast-moving property market, many homeowners and investors are turning to bridging loans to bridge the gap.

What is the Renters’ Rights Act,and what does it mean for tenants?

By Caz Blake-Symes • November 1, 2025
The changes laid out in the Renters’ Rights Bill were the biggest shakeup of rental legislation in decades. In October 2025, the Bill gained Royal Assent, which means the bill becomes the ‘Renters’ Rights Act’, and will now become law.

Zoopla’s House Price Index: September 2025

By Caz Blake-Symes • October 13, 2025
Pre-Budget speculation over possible tax changes is impacting market activity for homes over £500,000. The rest of the mainstream housing market is carrying on, largely unaffected.

What You Should Know About Second Charge Mortgages

By Caz Blake-Symes • October 6, 2025
Thinking about borrowing more money, but worried about losing your current mortgage deal? You’re not alone. With interest rates shifting in 2025, many homeowners are

Check Out Our September 2025 Newsletter!

By Caz Blake-Symes • September 30, 2025
Check Out Our September 2025 Newsletter!
Rental market conditions are starting to normalise as supply and demand rebalance. The

Zoopla’s Rental Market Report: September 2025

By Caz Blake-Symes • September 24, 2025
Rental market conditions are starting to normalise as supply and demand rebalance. The affordability

Should I Remortgage Before The End of My Fixed Term?

By Caz Blake-Symes • September 15, 2025
Thinking of switching your mortgage before your fixed rate ends? You’re not alone. With interest rates changing in 2025, many homeowners are asking: “Can I remortgage before the end of my fixed term — and is it worth it?” Here’s what you need to know before making a move.