Life Assurance

We're here to help you get the protection you need

What is it?

A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term. 

With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy.
 

Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage, other loan or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away. As advisors we can help you find the plan that best meets your requirements.

 Life Insurance comes in a variety of forms. At its simplest, it pays out an agreed amount, either as a lump sum or as a regular income, if you die within a specified period – known as the ‘term’. Hence its name: term insurance. You choose the amount to be paid – the ‘sum insured’ – and you decide the length of the term.

How do you reach your decisions?

What factors should you take into account? What are the implications for the size of the premium of each decision you make? We’re here to answer these questions. And help you find the best deal for your circumstances from the UK’s leading life insurance providers.

 

Speak to an Adviser - 01908 307306