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What is it?

A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one-off lump sum if you die during the policy term. 


With some term insurance policies, you are able to add additional options, for instance Critical Illness Cover (CIC). If you do add on CIC, the plan will pay out once on diagnosis of a qualifying critical illness, or if you die during the term of the policy.  


Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum.


You will undoubtedly not want to think about this scenario but……..Term assurance can protect your family from the financial burdens of a personal tragedy providing that time needed in order to grieve, and relieves the financial pressures a family may have during this period. It is particularly important if you have young children or dependents.


It is often used as a tool to cover a mortgage, other loan, or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away. Our Advisors will be able to find you, and your family the most suitable Protection Plan that meets your requirements.