Term assurance

The different types of Term Assurance explained, Haven IFA

Level term insurance Level term life insurance covers you for a fixed period and pays out a lump sum if you die during the policy term. The amount you are covered for is fixed at the start of the plan and won’t change. The premiums remain fixed throughout the term of the plan as well. This type of cover could be used to cover an interest-only mortgage, other debts or to help look after your loved ones when you die such as paying for education. Advantages of level term insurance If you want to leave a cash sum to your family and dependants or to pay off a mortgage after you have died, level cover life insurance could be right for you. It provides certainty as both the cover and the...

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L G launches pension term assurance, Mortgage Introducer

This follows the Government’s initiative to simplify the tax treatment of pensions and remove the restrictions traditionally associated with pension term assurance. It will no longer be necessary for people to have a pension plan to apply for pension term assurance and the new contribution limits will be less restrictive. Legal & General’s Tax Efficient Life Insurance Plan is a life insurance product which provides life cover in the event of death or terminal illness. Pension Term Assurance differs from other term assurance plans in that tax relief is available on the premiums paid and therefore reduces the cost for the customer. For example, a male who will be 35 next birthday, non-...

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Term Assurance Life Insurance, Enduralife

; rel=shortlink X-Powered-By: WP Engine X-Cacheable: SHORT Vary: Accept-Encoding,Cookie Cache-Control: max-age=600, must-revalidate X-Cache: HIT: 1 X-Cache-Group: normal Accept-Ranges: bytes Term Assurance – Life Insurance | Enduralife Term assurance is the cheapest – and simplest – form of life insurance. You insure yourself for a set term – until a loan is paid off, for example. It doesn’t contain any investment element – it simply promises to pay out if you die within the term. If you don’t die within that time, you receive nothing. Term policies can either be level or decreasing. A level policy simply means the sum assured remains level...

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Term Assurance Cover

Term Assurance is the simplest form of life insurance available. You choose the level of cover you need and the length of time you need it. At the end of that period, the cover ceases. All your contributions go towards protection, which means that there is no surrender value on a term assurance plan. This keeps the cost to a minimum. The contributions to your plan are specified at the outset of your policy, so you know from the start the cost of your protection. The Term Assurance Life Policy is the most widely used form of life assurance. Some of the standard features of a term assurance policy would include: The policy will pay out lump sum on death, The premiums can be either fixed for...

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Pension term assurance (PTA), Metro News

1. What is it?PTA offers the same basic benefit of life insurance – the sum assured paid if you die within the term, but a tax break made widely accessible from the start of the new tax year in April means significant discounts can be found. 2. How popular are PTAs?One leading firm of independent financial advisers was recently reported to be selling the policies at the rate of 700 a month. Major companies including Friends Provident, Norwich Union, Standard Life and Legal & General have begun selling new PTA products and Barclays bank recently entered the market. 3. Why is it called pension term assurance?PTA did exist before April this year but the qualifying rules were stiff and take...

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Life Pensions FAQs - Glennon

The following are a list of frequently asked life and pensions questions and answers, which we hope you find useful. Please click on the headings below to find out more information Mortgage protection is a form of life insurance policy, where the amount of life cover reduces over time. It ensures that your remaining mortgage will be paid off if you die during the term of your loan. Most lenders will require that you have mortgage protection in place prior to allowing you to draw down a mortgage. Term assurance is a form of life insurance policy, which pays out a lump sum if you die during the term of the plan. You choose the term and the amount of cover you need at the start of the plan,...

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Singer Financial Trust

Term Assurance Term assurance pays out a lump sum should you die within the term of the policy. It is the simplest form of life insurance and normally the cheapest option to provide the level of cover you require. Term assurance doesn't contain any investment element, it simply promises to pay out if you die within the term. If you don't die within that time, you receive nothing. Because the term is limited the life company who insure you are betting that you (or most of their millions of customers) won’t die during the term hence the cover can be offered at a very low rate. Like your house insurance ; it is not a good idea to be without life assurance if you have a partner or dependents...

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UK: Norwich Union announces term assurance reprice - Aviva plc

Norwich Union is reducing the premium rates on term assurance products with effect from Monday 4 July 2005. The changes to premium rates are as follows: Term assurance without guaranteed critical illness premiums have been reduced by an average of 3.2%. (96% of premium rates have been reduced, 4% remain unchanged.) Term assurance with guaranteed critical illness premiums have been reduced by an average of 1.9%. (100% of premium rates have been reduced.) Mortgage life insurance without integrated guaranteed critical illness premiums have been reduced by an average of 2.5%. (79% of premium rates have been reduced, 21% remain unchanged.) Mortgage life insurance with integrated guaranteed...

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Choose life assurance product that suits your needs and budget

Choose life assurance product that suits your needs and budget Providing financial protection for your family in the event of your death is an essential part of estate planning. Life assurance policies are designed to meet this need by ensuring an element of protection, savings or both. There are four basic types of life assurance: term, whole of life, endowment and disability or illness insurance. Beginners in the life assurance market may be interested in the most basic form of cover - term, or temporary assurance. At the outset, the customer decides the policy length and payout amount. For example, they may choose £100,000 over 10 years. If the individual dies during this period, the...

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Government backtracks on pensions term assurance - Reuters

LONDON (Citywire) - The government has signalled another U-turn on pensions policy may be round the corner, with an indication that pensions term assurance may be scrapped eight months after the cover was re-introduced by the A-Day reforms in April. The move has led to at least one provider, Friends Provident, to pull out of the market and others to reconsider their offerings. In Wednesday’s pre-budget report the government expressed concern that the wide take-up of PTA, which allows policyholders to receive tax relief on their premiums, may be against the principles behind pensions reform. It says: “The government has become aware that, as a result of the flexibilities that the...

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