Term assurance policy

Assist Mortgages-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: Life Insurance(also known as Level Term 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. Term Life Assurance is the opposite of Mortgage Life Assurance in that the amount of cover remains the same throughout the term of the policy and does not...

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Proactive Independent Mortgage Services, Bromsgrove

Life Assurance If you have a family and/or a mortgage, life insurance can give you peace of mind that they will be looked after in the tragic event of your death. None of us like to think about it, but understanding how this type of insurance works could save you money. You should first look at term assurance. This temporary form of life insurance is offered by most insurance companies, a number of friendly societies and other financial providers. It's based on a simple concept - the insurer guarantees to pay the policy benefits if you die within a given time. If you survive to the end of the policy's term, no benefit will be paid. The term of the policy depends upon you and may be anything...

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Term Assurance : Articles : Financial Advice

Term Assurance is one of the most cheapest forms of life cover available. This is because it is taken out for a specific length of time (the term), for a specific amount of cover and, if the person survives to the end of the term, the policy will end and have no value. There are two main types of Term Assurance, Level Term Assurance and Decreasing Term Assurance (sometimes called Mortgage Protection). There are many variations and additional options to these 2 basic types of policy. Guaranteed Premiums Available: Yes Reviewable Premiums Available: Yes Critical Illness Insurance included: Can be added as an option Income Protection Insurance included: No Increase Cover option: Yes, normally...

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Level Term Assurance - for those who have children or a spouse or partner.

Level Term Assurance Information The name says it all. It’s Level Term Assurance, as you only get a payout within the set 'term' e.g. 18 years. It’s level, because the payout you get is fixed from the start of the term until the end. Level term assurance thus is designed to pay a known lump sum payout upon death within a fixed time e.g. £150,000 if you die within the next 18 years. WPP Financial Services, Rochester, Medway Kent, could help with this. The Financial Conduct Authority does not regulate taxation and trust advice. 3. Your lifestyle can make the cost of cover cheaper. The monthly premium payable for cover is likely to increase with the likelihood of death within the term – age,...

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Decreasing Term Insurance,Assurance: What is it?

Decreasing Term Insurance: What Is It? It’s easy to get confused with all the terminology surrounding life insurance. At Quick Quote Life we like to provide you with the information you need to make a properly informed decision regarding your life cover – after all, it is a meaningful financial commitment with a significant impact to the lives of your loved ones when you pass away and it needs to be done well. What is decreasing term life insurance? First it is important to understand the terms and what they mean in relation to life insurance: Decreasing – this means that the value of the final pay-out lowers over time. What might begin as £300,000 cover might only...

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What is an ideal term on a term assurance policy? - Assured Life

The term of a life insurance policy is of utmost importance & if not chosen wisely can leave you regretting your decision later in life. Although it’s very subjective, I’d still suggest the longer the term the better simply because it increases the likelihood of your family getting that lump sum for which you’ve been paying the premiums religiously for years. Having said that, there’re many different ways of designing a policy depending upon a certain budget, so for e.g. if you have a strict budget in place & you require, let’s say, at least £200k worth of cover to protect your mortgage which has another 25 years left on it & you also wish to leave behind some money for your...

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FPP News Term assurance

Choose the amount you want to be insured for and the period for which you want cover The most basic type of life assurance is called ‘term assurance’. With term assurance, you choose the amount you want to be insured for and the period for which you want cover. If you die within the term, the policy pays out to your beneficiaries. If you don’t die during the term, the policy doesn’t pay out and the premiums you’ve paid are not returned to you. There are two main types of term assurance to consider – ‘level-term’ and ‘decreasing-term’ insurance. Level-term life insurance policies A level-term policy pays out a lump sum if you die within...

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Term Assurance, Family Protection

Term Assurance How would your family manage financially if you were not here tomorrow? We would all like to believe that we are going to be around for a long time to come, the reality however is that life doesn't come with a guarantee. We may not be able to protect our loved ones from our eventual demise, but we can protect them from the financial burden of our loss. "So what's right for me and what will it cost?" Hit "quote now" to complete our simple 3 step enquiry and get a personal response. You may wish to ensure your surviving spouse, partner and or dependents would be free from any financial responsibilities associated with consumer debt, for example outstanding mortgages credit...

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Term Assurance, Shire Financial Management LLP

What is Term Assurance? This is the most common form of life insurance and the concept is relatively simple. You insure your life for a set number of years (a term) and usually for a set amount of money. Therefore, should the worst happen and you die before the term is up, you can be confident that your beneficiaries will receive some money to help them pay off the mortgage, pay off debts and so on. If you survive until the end of the term, you’ll receive no payout. If you cancel, these policies will cease. During or at the end of the term, there is no cash-in value. There are different types of term assurance, including: Level term insurance Being ‘level’ your premiums won’t change during...

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Term Assurance - Outhwaite Chavda - Independent Financial Advisers

Term Assurance TERM ASSURANCE is a type of life insurance that provides a lump sum on death within a specified period. The sum assured of a level term policy remains the same for the duration of the period selected. Level term insurance provides temporary protection and does not build any cash value. Many level term insurance policies are sold with guaranteed premiums that never increase during the term of the policy. However, some policies don't provide a premium-rate guarantee and the insurance company can raise the premium during the specified term. Premium increases are intended to account for the rising probability of the insured's death in any given year. The premium amount charged...

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