Level term assurance pays out a lump sum benefit on the death of the life/lives assured during the term of the policy which is established at the outset. The benefit payable remains level throughout the term of the policy.

Family Income Benefits
* Whole Life - Lump sum and regular premium
* Endowment
* Convertible/Renewable Term
* Insurance Bonds

Decreasing term assurance pays out a lump sum benefit on the death of the life/lives assured during the term of the policy which is established at the outset. The benefit payable decreases during the term of the policy. This type of insurance is ideal for covering liabilities such as loans or the capital outstanding on a mortgage where the balance decreases as it is being repaid.

Critical illness cover is an optional or stand alone cover which will pay a lump sum or income benefit on diagnosis of a defined critical illness.

To make a claim on this type of policy, you don’t have to die, be dieing or even finish work. It simply pays out the sum assured on diagnosis.
If a claim is made, the policy will then cease.

Typical critical illnesses covered are heart attack, cancer, paralysis, kidney failure, major organ transplant, coronary artery by-pass surgery, multiple sclerosis and stroke. Many life offices cover more critical illnesses than listed above. The illnesses covered will be listed in your key features document or can be sent to you on request.