What is Level Term Life Assurance
Simple Straightforward Lifecover
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LEVEL TERM ASSURANCE POLICY FEATURES
» A policy for a fixed number of years.
» A guaranteed sum assured (amount of cover) paid on death during the term of the policy.
» No cash in value at any time.
» No surrender value.
» Premiums can be guaranteed or reviewable throughout the term.
Many companies now offer the option to increase the sum assured in line with inflation - your monthly premium will also be increased anually by the same percentage.
LEVEL TERM ASSURANCE POLICY BENEFITS
» Life cover for family protection.
LEVEL TERM ASSURANCE POLICY LIMITATIONS
» Life cover for interest only mortgages
» Can be purchased with or without critical illness cover
» Normally includes terminal illness benefit as part of the standard policy
» You may want to extend the term, but this is not possible.
» You may be ill at the end of the plan and unable gain further cover.
» No investment element.
» The fixed sum assured will not take account of inflation unless you choose a company which offers this facility at the beginning of the policy
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