Calico Wealth Management Limited
Calico Wealth Management Limited is an appointed representative of TPD Wealth Management Ltd who are authorised and regulated by the Financial Conduct Authority.
We specialise in discounted life and critical illness insurance policies from some of the UKs leading life assurance companies.
Our dedicated team can quote and apply for policies with many different companies giving our clients the very best possible premium for the policy that best suits their requirements.
Clients can be insured within a short amount of time. Some within 20 minutes.
What is life insurance?
Life insurance pays out a cash lump sum if you die within the term of the policy. Cover is usually on a level or decreasing basis. With level term the amount of cover remains the same throughout the policy. With decreasing term, the amount of cover reduces over the term of the policy.
Things to think about
Terminal illness: Cover can include Terminal Illness Benefit. Some plans will pay out if you are diagnosed with a terminal illness within the plan term and are not expected to live for more than 12 months. If it pays out after a terminal illness claim, the plan will then end. This is different to Critical Illness cover, which you can read more about below.
Critical illness: Is a life-threatening condition, which is generally strictly defined. Most critical illness policies provide for the payment of a lump sum benefit if the policyholder is diagnosed as suffering from one of a number of specified critical illnesses.
Its important to know that there is no cash-in value. If you stop paying premiums or live to the end of your plan, your cover will end. In this case, you’ll get nothing back.