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    Will You Add? - Term Life Insurance - An Explanation

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    a lump sum is payable on the event of death. This lump sum decreases by a fixed amount during the period of the term, decreasing to nil by the end of the insured period. This form of cover is usually used for mortgages or other loans where
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    Term life insurance pays a tax free lump sum in the event of death within a specified period of your choice (known as the 'term'). Fixed monthly or annual premiums are paid for the duration of the term. Most terms are typically 25 years in line with one’s mortgage or the time period associated with other forms of borrowing. There is no investment value in a term life insurance policy, hence if no claim has been made there is no maturity value payable at the end of the term.

    It is the simplest and cheapest form of life insurance. A few pounds per month can provide cover for a payout of tens of thousands of pounds. You are covered for as long as you continue to pay the monthly premiums. If you stop paying the premiums, the policy terminates.

    Different types of cover are available:

    'level' - a lump sum is payable on the event of death. This lump sum remains constant throughout the period of the life insurance term.

    'decreasing' - a lump sum is payable on the event of death. This lump sum decreases by a fixed amount during the period of the term, decreasing to nil by the end of the insured period. This form of cover is usually used for mortgages or other loans where t

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    ine with one’s mortgage or the time period associated with other forms of borrowing. There is no investment value in a term life insurance policy, hence if no claim has been made there is no maturity value payable at the end of the term.

    It is the simplest and cheapest form of life insurance. A few pounds per month can provide cover for a payout of tens of thousands of pounds. You are covered for as long as you continue to pay the monthly premiums. If you stop paying the premiums, the policy terminates.

    Different types of cover are available:

    'level' - a lump sum is payable on the event of death. This lump sum remains constant throughout the period of the life insurance term.

    'decreasing' - a lump sum is payable on the event of death. This lump sum decreases by a fixed amount during the period of the term, decreasing to nil by the end of the insured period. This form of cover is usually used for mortgages or other loans where

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    It is the simplest and cheapest form of life insurance. A few pounds per month can provide cover for a payout of tens of thousands of pounds. You are covered for as long as you continue to pay the monthly premiums. If you stop paying the premiums, the policy terminates.

    Different types of cover are available:

    'level' - a lump sum is payable on the event of death. This lump sum remains constant throughout the period of the life insurance term.

    'decreasing' - a lump sum is payable on the event of death. This lump sum decreases by a fixed amount during the period of the term, decreasing to nil by the end of the insured period. This form of cover is usually used for mortgages or other loans where

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    premiums, the policy terminates.

    Different types of cover are available:

    'level' - a lump sum is payable on the event of death. This lump sum remains constant throughout the period of the life insurance term.

    'decreasing' - a lump sum is payable on the event of death. This lump sum decreases by a fixed amount during the period of the term, decreasing to nil by the end of the insured period. This form of cover is usually used for mortgages or other loans where

    Avoid Being Taken In by False Debt Consolidation Loan Offers
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    a lump sum is payable on the event of death. This lump sum decreases by a fixed amount during the period of the term, decreasing to nil by the end of the insured period. This form of cover is usually used for mortgages or other loans where the amount owed decreases year on year.

    Single and joint life plans are available. A single life plan insures one life. A joint life first death plan insures two lives but only pays on the first death.

    Premiums typically depend on the sum to be insured, the period of insurance cover, your age, your sex and whether you smoke or not. A non-smoker is usually defined as someone who has not smoked for at least twelve months. Premiums for women are generally lower as on average they tend to live longer.

    Medicals are not normally required, although in some circumstances a report may be required from your doctor. Always complete any application honestly as failure to do so will result in the insurer refusing to pay on the event of death.

    Additional options can be added to increase the level of cover, although this in turn increases the monthly premium.

    Additional options to be considered include:

    Critical Illness: a lump su

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