Fixed term life assurance

Over 60s Life Insurance - I m Insured Life Insurance

If you’re over 60 yrs old and looking at a life insurance policy it can be a bit of a minefield. Do you go for Level Term, Over 50’s or a Whole of Life policy? Introduction We have seen a drastic increase in the number of enquiries from individuals aged over 60 looking for an over 60’s life insurance policy. The reasons for this are varied and include funeral cover, protection for a mortgage and estate planning to name a few. There are a few preconceived assumptions about life insurance for this category of age group that we felt was worth writing about to try and dispel some of the more common misconceptions, and help you find the best value policy possible. There are many forms of life...

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Lambridge Finance-Types of cover

Is Life Cover known under different names? Because Life Assurance is such a varied and flexible product, it can come under a number of different names. Each generally describes the covers aims however some are simply interchangable with Life Assurance: A general term used to mean the same as Life Assurance. The difference is that in the insurance world they insure against something which might happen but they assure against some they know definitely will happen at some stage, i.e., death. Mortgage Life Assurance / Mortgage Life Insurance Mortgage Life Assurance (often referred to as "Decreasing Life Assurance/Insurance") is used to protect your mortgage against the risk of you dying and...

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Level Term - Mortgage Adviser and Insurance Broker offering Life Assurance, Protection and Mortgage Advice in Falkirk - GT Mortgages

Level Term Level Term Assurance This type of cover protects you for a given term for a fixed benefit. The amount of life cover chosen at the outset will be paid whether a claim on death is made in the first year of the term or the last year. Quite often a payment would be made on the diagnosis of a terminal illness before the last 18 months of the plan, where you had 12 months or less to live. This type of protection may be suitable for family protection and Interest Only Mortgage debt, where the level of debt on the mortgage does not decrease as the years progress, however, this would depend on individual circumstances and you should seek further advice. Provides a lump sum on death or...

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Life Assurance & Family Planning, Roxburgh

Roxburgh Group Life Assurance & Family Protection Life Assurance is often overlooked by many but remains the single most important contract when considering any financial planning requirement for an individual or a family. A life assurance policy will provide a stated benefit upon the holder's death (sum assured), provided that the death occurs within a certain specified time period. Level Term Level term is the most basic type of life insurance. Normally the cheapest form of life cover, the premium is normally fixed per month for the duration of the policy. The amount of life cover (also known as the sum assured) is guaranteed for a fixed term. The fixed lump sum amount is paid out if...

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Top 10 Term Life Assurance Providers, Compare Now

Term Life Assurance (Insurance) Life can throw some unexpected curve balls and things can change in a hurry. Statistics show us that danger lurks around every corner and there is no way to make ourselves immune to the chaos it might bring. Unfortunately, many people remain in a constant state of anxiety over the responsibilities of handling family, kids, work and, of course, the uncertainties of life-altering events. When the financial well-being of your family is at stake, term lifeassurance offers the ability to remove the financial anxieties that are often faced when there is a death. While life will remain hectic, knowing that your family is protected can provide the peace-of-mind you...

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Level Term - Mortgage Adviser and Insurance Broker offering Life Assurance, Protection and Mortgage Advice in Coventry - Alternative Estates & Financial Services Ltd

Level Term Level Term Assurance This type of cover protects you for a given term for a fixed benefit. The amount of life cover chosen at the outset will be paid whether a claim on death is made in the first year of the term or the last year. Quite often a payment would be made on the diagnosis of a terminal illness before the last 18 months of the plan, where you had 12 months or less to live. This type of protection may be suitable for family protection and Interest Only Mortgage debt, where the level of debt on the mortgage does not decrease as the years progress, however, this would depend on individual circumstances and you should seek further advice. Provides a lump sum on death or...

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JRS Financial Services-Types of cover

Is Life Cover known under different names? Because Life Assurance is such a varied and flexible product, it can come under a number of different names. Each generally describes the covers aims however some are simply interchangable with Life Assurance: A general term used to mean the same as Life Assurance. The difference is that in the insurance world they insure against something which might happen but they assure against some they know definitely will happen at some stage, i.e., death. Mortgage Life Assurance / Mortgage Life Insurance Mortgage Life Assurance (often referred to as "Decreaseing Life Assurance/Insurance") is used to protect your mortgage against the risk of you dying and...

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Level Term Life Insurance Policy Quote, Simple Choice

Could This Term Life Policy Be Right for You? Because of its affordability, term life insurance policies are preferred by many for initial coverage. Then, as their needs change, people convert some or all of their policies to permanent life insurance to help give their families an even greater level of financial security. Consider term life insurance if: You are just starting out and your primary focus is on yourself and your own security. You are making big changes in your life as you begin or change careers, get married, purchase a first home or start planning for a family. You are beginning to understand the importance of insurance due to increasing financial burdens, new assets and...

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A Simple Guide To Life Insurance, SunLife

Term insurance Term life insurance is generally the most common insurance, covering you for a fixed period known as your policy term – usually between 5 and 30 years. The insurance covers you if you die within your term and some policies will payout if you are diagnosed with a terminal illness. Critical illness cover can also be added to a policy for extra reassurance. With term insurance, you will need to take out a new policy if you live beyond the policy term and you’ll no longer be covered. There are variations of term insurance however, such as decreasing term insurance where the payout amount will reduce over the term, or increasing term insurance where the payout will increase over...

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Term vs. whole life cover: which one is for you?

Term life vs. whole life cover: which one is for you? Life insurance comes in a lot of forms so that the choice on what kind of insurance to buy may be a bit confusing. Two of the more common types of life insurance include term life insurance and whole life insurance. The first covers you for a specified period of time while the second provides a longer cover, usually for the whole of one’s life. How It Works Term life insurance is coverage for a specified number of years (usually 1 year, 5 years, 10 years or 20 years). After the term has ended, you can: Consider the cover terminated Convert it into a whole life or permanent life insurance policy Renew the term where premiums will be...

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