life cover

Life insurance is a policy that will pay dependants or nominated person, money as a lump sum or as regular payments if you die. The amount of money paid out depends on the level of cover you buy. You can also decide how it is paid out and whether it will cover specific payments, such as mortgage or rent.
Life insurance works in the same way that home insurance covers your property, life insurance will cover your life. Policies will vary from provider to provider but the main two types are:
•  Cover for certain amount of time, which will end once the term of the policy has finished

•  Whole life cover these policies will pay out when the person insured dies

critical illness cover

Critical Illness insurance is similar to life insurance, these policies will pay out a lump sum in the event you are diagnosed with a critical illness, such as heart attack, stroke and certain type of cancer. The illnesses covered will vary from provider to provider. These plans are usually available as an addition to life insurance but can also be purchased on a standalone basis. The different types of critical illness cover are:

•  Level cover, the amount of cover will stay the same

•  Whole life cover these policies will pay out when the person insured dies

•  Increasing cover, the amount will increase


Life Assurance

Critical Illness

Mortgage Protection

Income Protection

Key Person Cover

Inheritance Tax Protection

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