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Level-term life insurance

Life insurance can help to provide your loved ones with the security needed in the face of outstanding debts.  These could be loans, mortgages and credit cards, or expenses such as funeral costs.

Level term life insurance pays out a set amount if you pass away during the term of the policy. For example, when you are insured for £100,000 over 25 years, you would receive that amount were you to pass away at any time during the duration of the policy.

We carry out a full review of your circumstances and will advise you on the best policy to suit your family's needs.

What is ‘Level-term’ Cover?

How does it differ from other protection products?

Level term life insurance pays a fixed sum on death that does not reduce  over the period that the cover is in place.  After considering your requirements we will advise on the appropriate amount of cover and over what time period you would need to be insured. 

This differs from decreasing term insurance, which is often referred to as mortgage protection insurance, where the amount of cover reduces, typically as the liability on your mortgage decreases over time. 

 

Critical illness cover pays a sum of money to you following diagnosis of a serious illness or condition.  This type of cover e could be included  with your life insurance policy or added as a separate policy.

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