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COMMERCIAL MORTGAGES AND MOST FORMS OF BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
If you can answer YES to this next question you could be significantly overpaying for your existing life cover policy
Life insurance companies may re-assess you as a non-smoker after quitting smoking for as little as 12 months and it is possible that your premiums would drastically reduce.
Here's an example:
Mr A smith Current age 35
Occupation: Teacher Requiring £150,000 level term and critical illness insurance until age 65 with guaranteed premiums
As a smoker he would pay at least £122.90
As a non-smoker he would pay as little as £69.73
His saving per month would be £53.17
The savings over a year would be £638.04
The savings over the life of the policy would be £19,141.20 Prices correct at December 2009