Life Assurance
The aim of life assurance is to protect you against the unexpected. It will provide money for people who financially depend on you. We need to consider the impact and consequences our death would have on the people most close to us
Term Assurance
You only get a pay out within the 'term' of your policy. The pay out you get is fixed from the start of the term until the end. Level term assurance guarantees a known lump sum upon death within a fixed time.
Family Income Benefit
You only get a pay out within the 'term' of your policy. The pay out you get is fixed from the start of the term until the end. Level term assurance then guarantees a known lump sum pay-out upon death within a fixed time
Whole of Life Assurance
These are policies that provide life assurance for the whole of your life. Whole of Life insurance guarantees to pay out in the event of death, whenever it occurs, generally as long as the premiums are paid. The premium you pay may also include an investment element which helps to pay for the cost of cover over time
Income Proection
Income Protection Insurance is designed to pay a regular tax free monthly income if you are unable to work due to illness or injury, but as defined by the terms of each individual policy.