Different types of Life Assurance
allow you to choose the product type
most appropriate for your situation
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Level Term Assurance
This is the most straightforward type of Life Assurance. Exact monthly
payments are calculated at the start of the policy, for the amount
of life cover (sum assured) required for the length of the term,
for example 25 years. The lump sum is paid out if death occurs before
the end of the policy.
This policy will not have any value after the end of the term therefore
it is relatively inexpensive method of providing for the amount
Similar to Level Term Assurance, with Mortgage Protection, you pay a fixed
premium however, rather than the amount of life cover remaining
constant, it gradually reduces over the life of the policy in line
with the estimated amount of your mortgage remaining. In common
with Term Assurance pay out arises if death occurs before the end
of the policy. As the amount of benefit reduces over the life of
the policy the cost will be lower that straight Term Assurance.
This makes Mortgage protection policies an ideal low cost method
for protecting a mortgage against death.