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About Torquil Clark

Torquil Clark Life Insurance is a leading firm of independent advisers providing low-cost life insurance direct to you, the customer, using the most competitive policies available from UK insurance companies.

They have established excellent relationships with all the major providers including Norwich Union, Legal & General and Liverpool Victoria and can boast their own dedicated processing team with most providers. Torquil Clark Life Insurance is able to offer competitive rates on the market, combined with a highly personal service.

They offer a range of insurance products designed to protect families against the worst outcomes in life.

• Simple, straightforward advice.
• They search the UK's leading insurance companies.
• Arranging a policy will be as quick and easy as possible.

Why Do I Need Life Insurance?

Life cover is something that most people associate with a mortgage – an insurance that means should you die, your family will be protected against losing their home. However, life cover - or more generally protection - is also important for other reasons too.

There are other things in life that you need to think about protecting other than a mortgage. Typically, you should consider protecting your income should you be unable to work. In this day and age such a scenario is all too common! You may also want to look at those nearest and dearest to you – life cover can provide for your family should the worst happen. And if you are age over 50, you may want to consider covering against funeral expenses so your family don't need to worry about such costs at a difficult time for them. The important thing is to make sure that you have the right insurance for the right reasons.

How Much Does It Cost?

Well, this all depends on how much cover you need. And the amount of cover that you need is really down to your personal circumstances and how much you are able to afford. If you are looking to protect your mortgage and your family, then the amount of cover you need may potentially be greater than that of an individual with no mortgage. Everyone should look at the level of protection that they do require, whether this is for debt clearing, replacing lost income or looking after family. And as with any financial product where there is a cost to you, it is important to speak to an expert and get the right advice and policy for you.

Types Of Cover

Speaking to an adviser will really help you find the right kind of cover for your circumstances, but the basics aren't as complex as you may think. The type of cover available can be broken down into the following areas:

• Term Assurance: This life cover runs for a set period of time and pays out a lump sum in the event of death during the term of the policy. There are variations on how it works, such as level term or decreasing term assurance, which an adviser can explain to you.
• Critical Illness: is designed to pay out a tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke (and many other illnesses depending on the policy). It is usually added to a life cover policy.
• Whole of Life: Unlike term assurance, this policy runs until death, whenever that may be. This type of policy is used to provide a lump sum to family to ease the financial burden for your loved ones when you die.
• Income Protection: This pays out a monthly income to replace a proportion of your salary in the event that you are unable to work as a result of an accident or sickness. It will pay out after a set period of time has passed and will carry on paying until you can return to work, you reach retirement age or the end of the policy term.