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Safeguard Your Loved Ones With Life Insurance
Find the right life insurance for you! Compare term & universal life quotes. Get affordable coverage & protect your loved ones.
10, 15, 20 and 30 – Year Term Options
Our Carrier
Unmatched Protection at Unbeatable Rates
Manhattan Trust offers the best of both worlds, expertise, security, and trust, all at the most competitive rates in the market. handle your needs with care, ensuring your assets are protected with the highest level of security. You won’t find a more affordable way to achieve financial peace of mind.
Services
Protecting You for a Better Future
Term Life Insurance
- Protect Your Family: Low-cost term life safeguards loved ones.
- Locked-In Rates: Pay the same throughout your term (10-30 years).
- Flexible Coverage: Choose a term that fits your life stage.
- 24/7 Access: Manage your policy online anytime.
- Add-On Benefits: Spousal, child coverage, and more available.
Universal Life Insurance
- Lifelong Coverage + Cash Value: Grow money & protect loved ones.
- Flexible premiums & Affordable Coverage
- Built-In Savings: Save for future needs with cash value growth.
- All-in-One: Combine insurance & savings for simpler planning.
- Access Your Cash: Borrow or withdraw funds for emergencies (restrictions may apply).
About Me
Timothy Ross Your Personal Insurance Advisor
My name is Timothy Ross, and I’m passionate about guiding families towards a secure future. As a trusted Insurance Advisor, I understand the importance of protecting what matters most. Whether you’re seeking the affordability of Term Life or the flexibility of Universal Life, I’ll work closely with you to find the perfect insurance plan that fits your unique needs and budget. With Manhattan Trust’s innovative products and my personalised approach, you can feel confident knowing your loved ones will be cared for, no matter what life throws your way.
- Your Trusted Insurance Guide
- Finding the Perfect Fit
- Peace of Mind, Guaranteed
Why Choose ME
Here's Why I'm Your Ideal Insurance Partner
Personalized Expertise
I don't believe in a one-size-fits-all approach. I'll take the time to understand your unique situation and financial goals to recommend the Manhattan Trust life insurance plan that best fits your needs and budget.
Clear Communication
Insurance can feel complicated. I'm here to break things down into clear, easy-to-understand terms. You'll never feel confused or pressured when working with me.
Long-Term Partnership
Your insurance needs evolve over time. I'm committed to being a lifelong resource, providing ongoing guidance and support as your life and family grow.
MY Process
Think Future Think Insurance
First Step
Get Quotation
Getting a quote is simple! Answer a few questions about yourself and your needs. I’ll help you find the perfect plan that fits your budget.
Second Step
Fill the Application
Ready to move forward? I’ll guide you through the application, making sure everything is filled out correctly. No stress, just smooth sailing.
Third Step
Get Insured & Covered
Application done? Relax! I’ll keep you updated and ensure a seamless transition to your new coverage. Peace of mind awaits!
Finding the right advisor felt overwhelming, but Timothy made it easy. He explained everything clearly and helped me choose the perfect plan for my family. Now I have peace of mind knowing they're protected
Tailored Protection for Every Stage of Life
Life Cover for New Parents
Ensuring Financial Security for Your Growing Family
Welcoming a new baby into the family is a joyous occasion, but it also comes with new responsibilities. As new parents, it’s crucial to secure your child’s future by getting life cover early while you’re still young and healthy. This not only ensures lower premiums but also provides a financial safety net that can cover education costs and other expenses if anything happens to you. Our policies are automatically written into Trust, with beneficiaries added, ensuring a smooth process for your loved ones to receive the sum assured.
Life Cover for Loan Protection
Protecting Your Home and Loved Ones
Taking out a significant loan, like a mortgage, is a major financial commitment. Life cover can help ensure that your family is not burdened with repaying the loan in the event of your untimely death. By securing a policy, you can have peace of mind knowing that your loved ones can maintain their standard of living and keep the family home. Our policies are written into Trust, which helps keep the proceeds outside your estate and speeds up the payout process.
Maximizing Your Legacy
Life Cover for Inheritance Tax Planning
Inheritance tax can significantly reduce the amount of wealth passed on to your beneficiaries. By taking out a life cover policy specifically designed to cover potential inheritance tax liabilities, you can ensure that your heirs receive the maximum benefit from your estate. Our policies are written into Trust, meaning the payout is outside your estate and directly benefits your loved ones without additional tax complications.
Quote
Get Free Personalised Quote
Get a Quote
Get a Free Worldwide Life Insurance Quote Today!
- timothy@personalfinanceadvisor.net
FAQs
Frequently Asked Questions
Get the knowledge you need to make an informed decision that protects your loved ones and secures your financial future.
If you’re looking for financial security and peace of mind, term life insurance may be the ideal solution. With a guaranteed payment to your beneficiaries in the unfortunate event of your death during a specific period, securing your loved one’s future has never been easier.
No, your Global Term Life policy premiums are guaranteed to remain the same throughout the term period.
It’s a good idea to buy term life insurance if you have dependents who would be financially affected when you die, or if you have financial obligations you want to protect. The younger and healthier you are, the lower your premiums will be. If you’re thinking about getting life insurance, it’s a good idea to do it sooner than later.
The best length for term life insurance depends on your individual circumstances. A good rule of thumb is to choose a term that is long enough to cover your financial obligations, but not so long that you’ll pay for coverage that you don’t need. Please reach out to us to determine for the best term length for you.
You can choose to pay the premium on annual, semi-annual, quarterly or monthly basis within a year.
Term policies have no cash value and will not provide any payout once their period has ended. Term life is usually much more affordable than permanent whole-life policies. Term life offers a death benefit which can be invaluable for families needing financial security after an unexpected passing.
