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Future life is an appointed representative of Thinc Assured Network Ltd which is authorised
and regulated by the Financial Services Authority. This site is intended for UK consumers only.
Future life © 2007

"Using Future Life was so easy,all the hassle of arranging my Life Insurance was taken away"    J Bishop Essex

Future life provide impartial advice on Life cover ,Life Insurance, Life Assurance, Mortgage cover, Term assurance, Critical illness, Mortgage protection, Accident, sickness and Unemployment cover, Redundancy cover and Buildings & Contents cover. As we are impartial we are able to offer you advice on these different insurance cover products.

Future life offers life Insurance cover products from the major UK life insurance companies including Norwich Union, Bupa,Standard Life, Bright Grey, Friends Provident, Legal & General and Scottish Widows. We also offer products from many other life Insurance companies.

Life cover is described in many different ways i.e. life insurance, life assurance, Term assurance and all basically mean the same type of life Insurance cover.

Life Insurance cover

Life insurance is cover on the life of the individual and can also be taken out on a joint basis. The 'life term' policy is an insurance on the individual's life but with a set term of years 10, 15 or 20 etc. This would be determined at the time the Life Insurance cover is arranged and the premiums would depend on the age of the individual and the length required for the policy to run. The premiums would normally increase with the age of the individual, and other factors that may influence the amount of the premium might be health; if, for instance, the person smokes, their occupation, this would be taken in to account by the insurer when calculating premiums.

"You beat the cheapest quote I had....and were so helpful...Thank you... "  T Pay Sussex

Increasing Term Insurance

This works much like the basic term insurance, except that the level of cover increases - and usually the premiums too - for example by five per cent a year or in line with inflation. It is worth considering this type of policy, especially if you are insuring for a long term, because increasing prices eat away at the value of a fixed level of life cover.

Mortgage life Insurance cover

A repayment mortgage pays off the outstanding capital as well as servicing the interest on the loan. The effect being that as time goes by the mortgage amount outstanding decreases and at the end of the term the mortgage is fully paid.

Normally the type of life assurance required to cover this mortgage is decreasing term assurance rather than level term assurance or more commonly referred to as mortgage protection assurance.

The policy is set up to provide a level of life cover to meet the original loan, which, as time goes by decreases as the mortgage is paid off. On the redemption date of the loan the policy comes to an end, normally without value.

The policy normally has the option to include critical illness insurance.

Critical Illness Insurance

life insurance cover protects against the financial consequenses of premature death, but what if you survive a critical illness such as a heart attack, cancer, stroke or other life threatening disease? Often the patient is unable to work and could be partially or totally disabled.

To cover the financial consequences of this risk a critical illness policy could be used. In most cases this pays out a lump sum to provide funds for repayment of the mortgage. Critical illness cover can also be taken as level term cover too. A claim cannot be normally made until the patient has survived a certain period of time from any one of the specified illnesses covered in the policy.

The policy usually covers Permanent total disability too. 

Life insurance companies have different illnesses they cover under Critical illness policies,It is very important to get advice when considering this type of Insurance cover.

Future life will offer you advice on the best life Insurance & Critical illness cover to suit your needs.

" We have used you three times now and saved money.." A Rimmer Suffolk

Family Income Benefit  

If you die during the term of this life Insurance cover a regular income is paid to your dependants for the rest of the term. The income can be paid monthly, quarterly or yearly. Some life insurance policies provide an income which increases each year at a fixed rate - say by 3% or 5%.

Whatever your life insurance cover needs we will find the right solution at the right premium, we have years of experience and hundreds of satisfied clients who have the peace of mind a suitable life insurance policy can bring.

Life insurance cover or Critical Illness cover quote

TERMS OF USE

Future-life.co.uk “the Website” is owned and maintained by Future Life. Access and use of the Website is provided by the Company subject to the following terms and conditions of use. By accessing the Website you signify your acceptance of these terms and conditions of use.

Accuracy of Information
All reasonable endeavours have been taken to ensure that the information published on the Website is accurate. However, the Company does not warrant that the information is accurate or complete. You are advised to discuss your specific requirements with an appropriate professional adviser. You acknowledge and agree that certain information within the Website is provided by third parties and that the Company has no control over the accuracy or completeness of such third party data.

Advice
The information, services, systems, articles and data published on the Website is intended for general information only and should not be construed as advice under the Financial Services and Markets Act 2000. You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.

Use
You may not: restrict or inhibit any other user from using and enjoying the Website; or post or transmit any unlawful, fraudulent, libellous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any law; or post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial messages or engage in spamming or flooding; or upload, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through the Website without prior written permission of the Company. If you take a copy or set up a link to any of the pages of the Website, you must be aware that all of these terms and conditions, warnings and disclaimers will continue to apply.

Limitation of Liability
You accept that the Company shall not be liable in any event for any direct, indirect or consequential loss or damages arising from use of the Website. The Website is provided 'as is'. All warranties whether express or implied under law including without limitation any warranty for the information, data, services, interrupted use, errors, omissions, delays, termination of service, loss of data for any reason, fitness of purpose, infringement of third party property rights are hereby expressly excluded with the sole exception that no exclusion of liability is claimed of death or personal injury as a result of negligence by the Company.

Governing Law and Jurisdiction
These terms and conditions of use are governed by English Law and you agree to submit to the exclusive jurisdiction of the English Courts.

The Company reserves the right to change these terms and conditions at any time without prior notice.

You acknowledge that you have read and accepted these terms and conditions of use.

PRIVACY POLICY

We have developed this Privacy Policy in order to demonstrate our firm commitment to the privacy of your data. We are committed to safeguarding your data whilst providing a personalised and valuable service. If you have any requests concerning your personal information or any queries with regard to these practices please contact us by e-mail on advice@future-life.co.uk . We have a designated privacy officer to ensure your interests are constantly reviewed.

This privacy policy applies to all "personal data" as defined in the UK's Data Protection Act 1998. In this privacy policy, we also refer to personal data as "data", "information" or "personal information".

Information Collected and its Use

We collect personal information from you in order that our services can be offered as effectively as is possible. In particular, we collect information for the following purposes:

(i) in the case of information submitted by you in relation to an enquiry about our services, for the purposes of responding to your enquiry. If you subsequently enter into a contract with us, the information will be held in accordance with our data protection procedures for customers. If you do not subsequently enter into a contact with us, we will not retain the information, except that we may retain your details for the purpose of contacting you in future about our services, unless you request us not to.

(ii) generally, for any purpose specified on the page from which you submit the information, or for which you give us express or implied consent to use the information, or for any other purpose permitted under the Data Protection Act 1998.
Visits to the Website are logged with non-personally identifiable information such as Internet Service Provider IP address and the pages visited. This information is used for system administration purposes, as well as improving content and navigation.

The data controller is: Robert Waller .

Security
We use a number of technologies and operational procedures to protect data submitted to us by you. Physical security of data on our equipment is provided by a combination of firewalls and password protection. However whilst we use all reasonable measures we cannot guarantee the security of your data as we do not have control of the internet.

Disclosures

With the exception of certain uses set out in this Privacy Policy, we will not disclose any information we keep about you to any third parties unless required to do so by the police or any regulatory or government authority to provide your information and/or information concerning your use of this website.

Cookies

Cookies are small pieces of information that are stored by your browser on your computer's hard drive. Most web browsers automatically accept cookies, but you can usually change your browser to prevent that. We use cookies to enhance the service that we provide so that you do not have to fill in your details every time you visit the website.

You have control

If at any stage you would like to remove, check or amend the information held by us about you please send an e-mail to advice@future-life.co.uk or write to our Data Protection Officer at Future Life at the address provided above and we will take the necessary action within a reasonable time. We reserve the right to charge a fee of £10 for complying with such a request. We also reserve the right to take reasonable steps to confirm your identity before making any disclosure of information held by us.

Responsibility with You

You should be aware that when you disclose personal information on any public bulletin board or chat areas of this or any other website used as a result of use of this website such personal information can be collected and used by anyone who views that website and may result in unsolicited messages from other participants or other parties. We are not responsible for any such messages.

Change to Privacy Policy

We may change the privacy policy from time to time and the amended policy will be posted on the website immediately.

Transfer of Data

In order to provide our services effectively, it may be necessary for us to transfer information outside the European Economic Area and you agree to this.

Transmission of Data

Whilst we have taken all reasonable steps to ensure that the information you provide will be kept secure from unauthorised access we cannot guarantee that the information will be secure during transmission by you to this website.

Information Commissioner

The Information Commissioner is aware of our data processing, as we have notified the Commissioner in accordance with the Data Protection Act 1998.

Life Insurance Cover                                                                                                  TDW-158 081106