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LEGAL AND GENERAL LIFE INSURANCE
Legal and General Life Insurance (Life Insurance)
        
Have you ever wondered how your loved ones would cope financially if you died? In Legal & General’s recent ‘Value of a parent’ research, 73% of parents said their first priority is making sure their children are financially provided for in the event of their death However, only 54% of parents surveyed had life cover in place. Legal & General, voted Protection Provider of the Year (Lifesearch 2013), offer Life Insurance from just £6 a month. Get a quote and apply online today.
Location: UK
Advantages:
1. You decide how much cover you need and how much you can afford to pay.
2. They fix the premium - so they won't increase the price you pay once the policy has been taken out.
3. They include terminal illness cover at no extra cost.
4. you can get an immediate quote online
5. You may pay your premium monthly or annually
Disadvantages:
1. If you stop paying your premiums your policy will end.
2. There is no cash in value at any time.
3. If you do not truthfully provide all the information Legal and General request on your application or when you or your representative make a claim, they wont make a pay out under the plan.
4. There are some circumstances when your plan wont pay out.
5. The present tax treatment may change.
6. You must check that the plan term is long enough to cover the duration of your mortgage term.
7. Your policy's conditions or benefits may be subject to exclusions after they underwrite your application.
Services:
1. If you die during the term, your policy will pay out your chosen amount of cover.

Life Insurance Type: Life Insurance Provider
Person Information:
Critical Illness Cover available

Policy Name: Level Term Assurance and Decreasing Term Assurance
Policy Cost: From £6 per month
Policy Excess: Dependent on Policy

Cover Type: Level Term Assurance and Decreasing Term Assurance
Cover Level: Standard
Cover Detail:
Level term assurance
Your monthly premiums and chosen amount of cover always stay the same, so you know exactly what you're getting (unless you choose to exercise your guaranteed insurability option).
 
Decreasing term assurance
Your chosen amount of cover decreases over the term of the policy. This type of cover is usually associated with mortgage term assurance

Suitable For:
Level Term Assurance and Decreasing Term Assurance Health Insurance
Restrictions:
The premium they quote you is affected by a number of factors. The main ones are your age, sex, occupation, smoker status, health, the level of cover you need and type of contract that you choose. Normally, the older you are, the higher the premium. Your individual height, weight, medical history and lifestyle are all assessed.
Availability:
Your premium depends on several factors:
 
1. Your personal circumstances
2. The amount and type of cover you choose
3. How long you wan your cover to last.
Discounts:
Ask on application

Application Methods: Online
Underwriter: Ask on application
Pay Monthly: No
        

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