Life Assurance

A term life insurance plan is the most basic form of life insurance.

It is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term.

With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy.

This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage, other loan or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away. As advisers we can help you find the plan that best meets your requirements.

If premiums are not maintained then cover will lapse. Protection policies do not have a cash value unless a valid claim is made.

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Mortgages

Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from qualified advisers.

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Protection

There are many types of Protection Policies to choose from. Finding the one that provides adequate cover and the right protection is not as easy as you may think.

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Insurance

We can search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us.

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Contact

Over the years we have gained an excellent reputation for our customer service, and pride ourselves on the long term relationships that we enjoy with our customers.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Village Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £199.

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This site is only directed at persons within the UK. Calls may be recorded for training and monitoring.

Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:

The Financial Ombudsman Service,Exchange Tower, London, E14 9SR Tel: 0800 023 4567 or 0300 123 9 123

www.financial-ombudsman.org.uk


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