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Glossary of Terms

Level Term: 'The lump sum payable remains level throughout the term of the policy' More information

Decreasing Term Assurance (Mortgage Term Assurance): 'The lump sum payable reduces over the policy term, normally in line with the outstanding balance on a repayment mortgage' More information

Critical illness cover: 'Pays out a lump sum on diagnosis of a specified critical illness such as certain types of cancer, heart attacks, strokes and many more' More information

Life insurance and critical illness: 'This policy covers you for both Life Insurance and Critical Illness, the policy will pay out on the first event, this is as per Critical Illness or as per Life Insurance' More information

Terminal Illness: 'If you are diagnosed as being terminally ill and your life expectancy is less than 12 months, then the life insurance company will pay out a lump sum. This cover is sometimes not available during the last 12-18 months of the policy, depending on the provider'

Reviewable premiums: 'Your premiums are reviewed by your insurance company every 5 years, though this may vary between providers, at which point they can stay the same, increase, or decrease'

Guaranteed premiums: Your premiums are guaranteed to remain the same throughout the term of the policy.

Frequently Asked Questions

Q: How do I know what type of policy I need?

A: Our Personal Consultants do not provide you with advice, however we do explain what each policy does so you can then make your own informed decisions. For more information about the different policies, click here. Alternatively, you can speak to one of our friendly Consultants by calling 0844 809 4634.

Q: Do I pay anything for this service?

A: No, you do not pay us anything for our service. Top Branch Financial Services was set up to get customers the cheapest offers available. We will talk to you about what you are looking for, explain to you what policy does what, find you the cheapest quote, and if you find a policy that suits - we'll even run through the application form and liaise with your chosen insurance company to get you protected as quickly and as simply as possible!

Q: If I already have a quote, will you beat it?

A: As we have access to all the different companies' quoting systems - if you tell us what you were quoted and by whom, we will endeavour to beat it.

Q: How easy is it to set up a life insurance policy?

A: It is very easy. Firstly, choose from one of the three simple ways to get in contact with us. Then, once you've made a decision on which policy you would like to go for, your Personal Consultant will find you the cheapest quote from across the UK market. The application form can be done over the phone, and will only take around 15 minutes to complete. We then send all the documents to you in the post for you to read through. Simple, easy and straightforward.

Q: If, once I have taken out a life insurance policy, I decide I would like to amend the details, will you help me with this?

A: Yes, of course. You will be able to contact your Personal Consultant or a member of our customer services team and they will be able to help you.

Q. What makes Top Branch Life different to all the other companies, websites and local financial advisors out there who appear to offer the same service?

A. Many people have told us they do not want to pay and have the inconvenience of a financial advisor coming round to their home. We are also told that customers just aren't happy paying the high premiums charged by their banks. We, however, are completely independent and all our Consultants are on hand, ready to offer you a very personal service.