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Below you will see information on life insurance.



Life insurance is sometimes referred to as life or term assurance and provides security for our family and loved ones. Much as it can be unpleasant to think about death, the fact is that family and loved ones even business partners do need assistance to cope with the financial burden that is left behind when a person dies.

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What are the Types of Life Insurance?

You can generally get life insurance on a single or joint basis which pays a lump sum if the policyholder dies (within the policy's term).

These are some of the main types of life insurance:

  • Level term insurance
  • Renewable term insurance
  • Increasing term insurance
  • Decreasing term insurance

Each type varies slightly for some areas for instance, increasing term insurance combats inflation with an assured escalating sum.

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What Can I Insure?

There are various things you can receive cover for, including:

  • Replacing your salary (if you are the primary earner)
  • Replacing childcare
  • Mortgage repayments
  • Education costs

Whether you want to make sure that your family can keep the same standard of living or just to prevent those left behind from being lumbered from massive debts, you can find a policy to cover your needs.

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Additional Life Insurance Benefits

For an extra cost you can find additional benefits on life insurance cover. The most common type of additional cover is for critical illness. This provides a payment on diagnosis of a critical illness and conditions covered might include:

  • Cancer
  • Stroke
  • Kidney Failure
  • Blindness
  • Deafness
  • Third Degree Burns
  • Heart Attack
  • ...and many more

If you want to cover yourself in case you are unable to work for health reasons, you can take a waiver of premium this is provided at an extra costs and pays your premiums if you cannot work.

As with any insurance cover, take your time when searching the market. If necessary discuss your options and the many providers with an independent adviser.

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Please Note: is not authorised to give advice under the Financial Services and Markets Act 2000.

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