Term Life Insurance

Protect your Family

Family Life Insurance is designed to ensure your loved ones remain financially stable in the event of your premature death; allowing them to maintain their standard of living, providing them with additional cash and most importantly, financial stability.  

The main types of Family Term Life Insurance are:  

Level Term Assurance

You select the amount of protection you require and the period of time you require it over, or engage one of our "in house" financial advisers using "Call Back" and let them calculate and recommend appropriate levels and time periods. Being Level Term Assurance, the amount of cover selected (sum assured) remains the same throughout the term of the policy.  

You may want to consider one or two additional options for your term life insurance. For example: the addition of "critical illness protection", or an "insurability option" especially if you are considering future additions to your family....

Family Income Protection

Designed to help protect your dependants and family by providing a regular amount of money to them in the event of your premature death, as opposed to a lump sum amount.  You select the amount of protection you require, or allow one of our advisers to calculate this for you, and the period of time the cover is to run, perhaps to your youngest child's 21st birthday for example.

Family Income Protection tends to be less expensive than it's family relation, level term life assurance. It is particularly useful when working to a budget or where the cost of other protection is seen as too expensive.

Options can be even more important when it comes to family protection. For example:  the inclusion of "Accidental Death Benefit" to ensure additional help in the event of death by accident or "Indexation Option" that permits benefits to increase on a regular basis.