Best Life Assurance and Protection deals, broker, rates and advice in Edinburgh, Glasgow, Dundee, Perth, Aberdeen, Inverness, Stirling, Glenrothes, Edinburgh, Arbroath, Brechin, Forfar, Perthshire, Tayside and Angus.

Life Assurance & Protection.

"Giving peace of mind for you and your family"

Have you ever considered what would happen to you or your family if your career were interrupted, due to ill health or more tragically stopped? If you have family or provide money for people who financially depend on you it is very important to consider Life Assurance.

If there is no one who will be financially impacted by your death; life assurance is probably not a high priority, however you may want to consider other reasons why it is important, if say you are a homeowner or a proprietor of a business.

If you already have Life Assurance, it would be worthwhile having it checked, to ensure the correct level of cover is sufficient for your current situation.

There are many types of insurance available to guard against such unpleasant eventualities: term assurance, critical illness insurance, income protection insurance & accident, sickness and unemployment insurance.

Term Assurance

Term Assurance provides cover for a fixed term with the sum assured payable only on death. There are no investment benefits or payments on survival.

Term Assurance premiums are based primarily on the age and health of the life assured, the sum assured and the policy term.

- Level Term Assurance.

With level term assurance premiums are fixed for the duration of the insurance term and a payment will only be made if a death occurs during the insurance period.

A level term assurance policy is taken out for a fixed term.

This type of term assurance policy can be useful for providing security for dependants up to a certain age.

- Decreasing Term Assurance.

As the name suggests with decreasing term assurance, life cover decreases during the insurance term reducing the cash payout the longer the term runs.

Decreasing Term assurance can be useful for those wishing to secure the payment of a reducing debt (eg/ a repayment mortgage) if they die during the term.

This type of term assurance is less expensive than level term assurance

There are several variations of the type of term assurance, please contact us to find out which type is most suitable for you and your family!

Critical Illness.

A critical illness policy will cover you in the event of a pre determined illness or disease.

Not all critical illness policies are the same and policy conditions will vary.

It is vitally important to understand exactly which conditions are covered before you proceed with a particular policy or insurance plan.

With most critical illness policies a capital sum is paid out on diagnosis of a specified medical condition or occurrence of some forms of heart attack, cancer, stroke, etc...

Critical Illness policies can be stand alone or added to whole of life, endowment or term assurance plans.

Income Protection.

Income Protection policies provide an income that starts after a deferred period of your choice if you are unable to work through sickness or injury.

Income Protection premium rates are based on occupation, age, health, level of cover, term, deferred period, sex and smoking status. Some insurance companies have introduced reviewable premiums that increase dependent on overall claims experience.


There are many different types of income protection policies available. Great care must be taken over examination of the circumstance in which the insurance companies will pay out.

If as a result of sickness or injury you cannot carry on your normal line of work, the insurer may not admit the claim unless you are incapable of performing any paid employment.

Generally the benefits from an income protection insurance policy are not taxable.

Mortgages.

West One will help find the best mortgage deal for you, whether its for the purchase of your first house, a remortgage or a buy to let.
Mortgages

Life Assurance.

If you have family or provide money for people that financially depend on you it is very important to consider Life Assurance.

Life Assurance

Insurance.

We recommend protecting your property, its contents and your belongings against events such as fire, damage theft or loss.
Insurance

Best Life Assurance and Protection deals in Edinburgh, Glasgow, Dundee, Perth, Aberdeen, Inverness, Stirling, Glenrothes, Edinburgh, Arbroath, Brechin, Forfar, Perthshire, Tayside and Angus.
Life Assurance and Protection brokers in Edinburgh, Glasgow, Dundee, Perth, Aberdeen, Inverness, Stirling, Glenrothes, Edinburgh, Arbroath, Brechin, Forfar, Perthshire, Tayside and Angus.
Life Assurance and Protection rates in Edinburgh, Glasgow, Dundee, Perth, Aberdeen, Inverness, Stirling, Glenrothes, Edinburgh, Arbroath, Brechin, Forfar, Perthshire, Tayside and Angus.
Life Assurance and Protection advice in Edinburgh, Glasgow, Dundee, Perth, Aberdeen, Inverness, Stirling, Glenrothes, Edinburgh, Arbroath, Brechin, Forfar, Perthshire, Tayside and Angus.