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Cover Required

Life Insurance: A Life Insurance policy will pay a tax-free lump sum upon the death of the life assured or upon diagnosis of a terminal illness (defined as where life expectancy is less than 12 months).

Critical Illness: A Critical Illness policy will pay out a tax-free lump sum upon diagnosis of a specified critical illness (which are defined by the insurance companies).

Life and Critical Illness: A Life and Critical Illness policy is combination of Life Insurance and Critical Illness and will pay out once for either death or diagnosis of a specified critical illness.

Level Term: Level term insurance simply means you pay a fixed premium for a fixed number of years and you would receive a full payout on claim at any point. Level cover is ideal for family protection and interest only mortgages.

Mortgage Cover: Mortgage cover, also known as decreasing term assurance, is a slightly cheaper option than level term. The difference is that the amount of cover reduces on a yearly basis, usually inline with a mortgage or loan, the monthly payments however, remain the same each year.