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Frequently Asked Questions

Why choose Cooper Insurance?
Who can apply?
Do I really need it?
Is there a surrender value?
What type of Assurance do I need?


Why choose Cooper Insurance?

We are Independent, so we have access to the whole Insurance market place to give you the best insurance to suit your needs.

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Who can apply?

You need to be between the ages of 18 and 57. Other restrictions may apply. If you are outside this age bracket, please contact us on 01702 512111 to get a quotation over the telephone.

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Do I really need it?

Yes, it gives peace of mind to dependant members of you family who would be financially disadvantaged in the event of long term Illness, Unemployment or even death.

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Is there a surrender value?

Term Assurance has no cash in value at any time.

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What type of Assurance do I need?

We offer two types, Level and Decreasing Term Assurance.

Level Term Assurance is a simple basic policy, which will ensure that a specified amount of money is paid out if death or a terminal illness occurs within the specified term of the policy. As the name implies, the level of cover remains fixed throughout the policy term.

With Decreasing Term Assurance, or Mortgage Protection the level of cover decreases each year at approximately the same rate as the balance on a repayment type mortgage. As long as the interest rate has not risen above 12% there would be sufficient funds to repay the outstanding balance should death or the diagnosis of a terminal illness occur with in the duration of the policy.

Important to note that there is no cash back or surrender value with these types of policies.

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Essex Countrywide Business Awards Winner
The Cooper Partnership - 26 Wren Avenue, Eastwood, Leigh on Sea, Essex, SS9 5AF
Email : info@coopeinsurance.co.uk
 
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