Adviser Centre

Term Assurance.

  • A long term plan designed to pay out a lump sum if your client dies within the plan term.
  • The lump sum amount and period of cover can be chosen by the client to suit their needs.
  • Terminal Illness Cover is included at no extra cost.
  • Premiums guaranteed throughout the policy term.
  • Flexibility to choose joint or single cover.
  • Critical Illness Cover available as an option for an additional cost.
  • If critical illness cover is taken as an option there is a choice between guaranteed and reviewable premiums.

Limitations and exclusions apply.

Products Within The Range

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Term Assurance for Family Protection
  • The sum assured remains the same throughout the policy term.
  • The benefit paid out can be used to help maintain family lifestyle and help with financial difficulty if the client dies.
  • Offers flexibility - where cover can be increased during the policy term without any further underwriting.  Terms and conditions apply.

Limitations and exclusions apply.

Level Term Assurance - Full product details

Term Assurance for Mortgage Protection
  • Choice between level or decreasing cover
  • Free life cover available at no extra cost between exchange and completion (or conclusion of missives in Scotland).
  • SmoothMove – moving day rescue cover – included at no extra cost if the policyholder is moving house.

Limitations and exclusions apply.

Term Assurance for Business Protection
  • A policy designed to pay out a cash lump sum if a business would be unable to trade in the event of a director, partner or key person falling terminally ill, or dying.
  • Can be used to cover a business loan.
  • Decreasing cover is available for loan cover.
  • Premiums are guaranteed throughout the policy term.
  • Cover can be increased during the policy term without any further underwriting.  Terms and conditions apply.
  • Consider Key Person Protection if continuation planning is needed.
  • Consider Partner/Director Share Protection if succession planning is needed.

Limitations and exclusions apply.

Need more information?

Protection sales team
0345 273 0010

Monday to Friday 9.00am to 5.00pm.

We may record and monitor calls. Call charges will vary.

Term to age 90

Term to Age 90

All our term products now offer cover for longer.

Find out more