Protect
your loved ones - with life assurance No one really likes to think or talk about , but how
would your family cope should you or your partner suddenly
die? How those left behind will cope, will the weekly shopping
and regular bills become a burden as the household income
gets reduced?
It makes sense to provide for your family, to ensure they
have a reasonable finances to maintain a reasonable standard
of living. Get term assurance to ensure your mortgage gets
paid off and your family get a lump sum to ease the strain.
Life insurance on your terms For low cost life cover use the form below. Why pay
over the odds for life cover - its recommended you take cover
that exceeds your liabilities.
"Term
life insurance"
Term assurance is a simple and inexpensive form of life insurance
policy that pays out a lump sum (the sum assured) in the event
of the death of the policyholder, and is necessary to ensure
that your family and dependants will not suffer financially
if the worst should happen. Term insurance is usually available
on either a single or joint life basis and some plans also
have additional benefits such as paying out on the diagnosis
of a terminal illness during the term of the policy. If the
policyholder or policyholders are alive at the end of the
term the policy expires and no payment is made. If you stop
paying premiums at any Stage during the term, the policy lapses
and has no value.
There are several types of term insurance, some of which
are detailed below.
Level term insurance
Level term assurance is designed to pay out a sum of money
if the policyholder should die during the term in which your
policy runs. When choosing your policy, you should choose
the amount you want paying out (the sum insured) and the length
of time for which the policy is to cover (the term). The sum
assured is guaranteed at the outset and remains unchanged
through out the term.
Decreasing term insurance
Decreasing term insurance (often called 'Mortgage
Protection')is where the sum assured decreases over
the term of the policy. This is commonly used to protect a
capital & interest repayment mortgage, where the outstanding
balance reduces each year.
Common additional benefits:
Critical illness option is often available at an extra cost.
The sum assured is payable on the conclusive diagnosis of
a critical illness, such as cancer, a heart attack, multiple
sclerosis or a stroke. These policies differ from private
medical insurance plans, which pay for treatment in the event
of critical illness. Details of conditions covered in most
critical illness benefits are listed below, but please use
these as a guide only.
Alzheimer's Disease Angioplasty
Aorta Graft surgery Benign Brain Tumour
Blindness Cancer
Coma Coronary Artery By-Pass
Deafness Heart Attack
Heart Valve Replacement HIV/AIDS (under certain circumstances)
Kidney Failure Loss Of Limbs
Loss of Speech Major Organ Transplant
Motor Neurone Disease Multiple Sclerosis
Paralysis/Paraplegia Parkinson's Disease
Stroke Third Degree Burns
Permanent Total Disability
Waiver of premium is often available at an extra cost, this
will pay your premiums if you are unable to work for health
reasons.
Tesco 
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Barclaycard Classic
ING Direct