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.