Understanding assurance

Life insurance (assurance) – at competitive rates

With Charcol, you can benefit from competitive life insurance (or assurance) rates, protecting your family and your home with insurance cover provided by our carefully selected panel of leading insurers.

John Charcol for life insurance (or assurance)

Protecting your mortgage and your family should the unforeseeable happen is something that provides unparalleled peace of mind. At John Charcol we have access to highly competitive rates.

To speak to someone about life insurance (sometimes called assurance) and mortgage protection please call an adviser on 0845 034 2100

Our life insurance (or assurance) range

Level term life insurance (or assurance)
Provides a fixed lump sum payment should you die within a specified period.
Level term life insurance (or assurance) with critical illness
Provides a specified lump sum payment should you die or suffer a critical illness within a specified period.
Mortgage protection cover
Providing a decreasing lump sum payment to cover your outstanding mortgage, should you die within the specified period.
Mortgage protection cover with critical illness
Providing a decreasing lump sum payment to cover your outstanding mortgage, should you die or suffer a critical illness within the specified period.

Your initial consultation is obligation free. There will be a minimum fee for our service of £450, of which £150 is payable when you apply, and we will retain the commission from the lender. Alternatively, you can choose the fee only option which is typically 0.63% of the amount borrowed. The precise amount will depend on your circumstances and loan amount, and will be discussed and agreed before you make an application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Web design agency - Liquid Light

John Charcol is a trading style of Towergate Financial (West) Ltd which is authorised and regulated by the Financial Services Authority. Registered in England No: 02292688.
Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN.
This site is only directed at persons within the UK. Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.