Term Assurance

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If you are looking for term assurance, it is important that you get professional advice to ensure that you get the right policy for you, based on your individual circumstances. The cheapest is not always best, so compare quotes but also compare policies to ensure you get the cover you need.

Term Assurance is a life assurance policy for a set term, such as 25 years, where the sum assured is paid out in the event of death during the period. The policy provides pure protection and there is no cash-in value at any time so if you stop paying the premiums, you will get nothing back. Term Assurance is a low cost way of providing protection for a loan, such as a mortgage, or any other specific liability upon death before a specified date.

Advantages of term assurance include:

A cost effective type of life assurance in relation to the cover required (sum assured)
Can be arranged very quickly if you are in good health
Critical illness insurance can be included

Disadvantages of term assurance include:

Term Assurance has no cash in value at any time
Medical evidence will be required and possibly a medical examination for those in poor health

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