Life Insurance Quote

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Who to cover

Choose 'you and a second person', and you will get a quotation for joint cover. Joint cover makes a payment if one of you dies (or suffers a critical illness if you choose this option). When a payment is made, the plan ends.

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Type of cover

Level Term

This type of cover is generally used to provide financial protection for the family in case the breadwinner dies. It can also be used to cover borrowing. With this type of policy, the amount covered stays the same over the duration of the plan.

Decreasing Term

This type of cover is designed to cover the money you owe on a mortgage or loan. The amount of cover reduces over the term (in line with what you owe on the mortgage or loan), so it is cheaper than level term assurance.

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Amount of cover

The amount of cover will depend on your personal circumstances.

Things to consider include:

• Outstanding mortgage/loan amounts.
• How much your family will need to live on.
• Education fees for your children.
• Childcare costs.
• Other expenses.

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Length of cover

Cover is available for 2 to 40 years. The term, however, can’t extend beyond your 70th birthday.

When deciding the length of cover, some factors to consider are:

• The length of your mortgage.
• How long before your family can support themselves.