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Life insurance advice across Cheshire
Finding the right life insurance in Cheshire can feel overwhelming, it doesn't have to be. From the level term life insurance Cheshire families choose for fixed cover, to the decreasing term life insurance Cheshire homeowners use alongside a repayment mortgage, we advise clients across Crewe, Congleton, Nantwich, Sandbach and Alsager. Tell us how to reach you and a specialist will call at a time that suits you.
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FAQs
Frequently asked questions
Yes. TopQuote is based at Alderley Park, Suite 3, GLASSHOUSE, Congleton Road, Macclesfield SK10 4TG. We arrange life insurance Cheshire wide, covering Macclesfield, Wilmslow, Alderley Edge, Knutsford, Congleton, Poynton and the surrounding towns. You will speak to an FCA regulated protection adviser rather than a call centre, and the first conversation is no obligation. Phone 0161 974 3710, Monday to Friday, 8:30am to 6:00pm. TopQuote is an Appointed Representative of The Openwork Partnership, which is authorised and regulated by the Financial Conduct Authority.
Comparison sites give you a list of quotes to work through yourself. Life insurance brokers Cheshire residents can speak to will take your details once, explain how cover, definitions and exclusions differ between insurers, then submit the application and keep you updated as it goes through underwriting. If the insurer raises questions about your health, weight or occupation, we handle that for you. Acceptance and the final premium are decided by the insurer, so cover is not guaranteed. We work from a panel of insurers including Aviva, Legal & General, Royal London, LV=, Vitality and Guardian, rather than the whole market.
That depends on what you are protecting. Level term life insurance Cheshire families take out for income replacement, childcare or school fees keeps the payout the same from the first day of the policy to the last. Decreasing cover falls over time instead. With either type the policy has no cash value, and cover ends if you stop paying the premiums. If the term finishes and no claim has been made, nothing is paid out. A no obligation conversation will help you work out which type fits what you are protecting.
Decreasing term life insurance Cheshire homeowners take out alongside a repayment mortgage is designed so the sum assured falls broadly in line with the outstanding balance. Level cover, which stays the same throughout, is the other main option. Decreasing cover is not usually suitable alongside an interest only mortgage, where the balance does not reduce. The policy has no cash value and cover ends if premiums stop. TopQuote arranges the protection policy only, not the mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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If you'd rather write to us by post, our Cheshire team can be reached at the address opposite. Please don't include sensitive medical or financial details in a letter, we'll cover those securely by phone.
Alderley Park, Suite 3
GLASSHOUSE
Congleton Road
Macclesfield
SK10 4TG