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Life Assurance
Life Assurance (also known as Term assurance) is a simple way to protect your family financially in the event of your death. If you die during the term of the policy or suffer from a terminal illness (A terminal illness is usually classed as having less than 12 months to live) then the policy will pay out a lump sum of money to your family or nominated beneficiaries.
Many people take out Life Assurance to cover debts and liabilities, for example mortgages. It is also common to take out insurance to cover your family's finances, for example four times your annual salary would mean that your family could continue their standard of living for four years. Alternatively rather than providing a lump sum a tax free income could be provided to replace a wage lost upon death until your children are no longer dependant.
Life Insurance premiums are calculated based on your age, gender, smoker status, medical history, height/weight and the amount/type of cover that you choose.
We suggest you consult one of our qualified advisers to help find the best policy or combination of policies for your individual situation. Please feel free to contact us for further information.
