Life Assurance

Quite often we hear ‘it could never happen to me’ or ‘I’ll sort it out later’. The old saying that “failing to plan is planning to fail” really hits home in this particularly important area.

What is Life Assurance?

A life assurance policy 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.

Critical illness cover can be added to your providers assurance policies at outset for an additional cost.  If you do add on critical illness cover, the policy could pay out the lump sum if you die or on diagnosis of a specified critical illness during the term of the policy.  It also pays out if you are terminally ill, and you meet the definition, except in the last 12 months of the policy.


Who is it for?

Life Assurance is designed for those who want to leave a lump sum in the event of their death within a specified time period.  Term assurance can help protect your family financially in the event of your death and is important if you have young children or dependents.  It can be used to help cover a mortgage, other loan or to help ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away.  Our trained advisers will be happy to discuss your requirements and arrange a suitable policy for you. 

This product is not a savings or investment product, and has no cash value unless a valid claim is made. 


More Information

More information is available in the appropriate providers Key Features Document. For insurance business we arrange policies from a carefully selected panel of insurers. As with all Insurance policies, conditions and exclusions will apply. Ask us for a list of insurers we offer insurance from.