Life Insurance

Issues to consider

Life cover, often called "Term Assurance", provides protection for a pre-specified period of time and is therefore particularly useful for covering a specific debt or period, for example a mortgage or until children are no longer financially dependant.

Term Assurance works by paying out a fixed cash lump sum in the event of your death, or diagnosis of a terminal illness during the plan term, in exchange for regular payments from you. Term Assurance is designed to help protect your family's future lifestyle. The plan has no cash-in value at any time, so if you survive the term you get nothing back. This is one of the reasons why it is so low cost.

Level Life Insurance can cover other outstanding debts such as loans and school fees. So if you're no longer around your family can still afford the same lifestyle. We offer some of the most competitive rates in the market. Level Life Insurance can cost as little as £5 a month depending on your personal requirements and circumstances.

Before you decide how much cover you require, who you want to insure and for how long, please refer to Life Cover Issues to consider section.

Like all types of life insurance you can also have additional benefits such as critical illness and waiver of premium benefit.

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