Life Cover

Life Cover can provide a lump sum and/or a monthly income payment to your estate if you die.

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Different types of cover

There are a number of different types of Life Cover available.

Mortgage Protection

  • The amount of cover reduces over the term in line with the reducing balance of your mortgage
  • The term is generally the same as your mortgage
  • Pays off the outstanding balance on your mortgage in the event you die prematurely

Term Assurance

  • Provides a lump sum in the event of your death during the term of cover
  • The lump sum paid on death remains the same irrespective of when, during the term, death occurs
  • Includes an option to protect against inflation by annually increasing the lump sum and premiums over the term of your policy

Income on Death Benefit (sometimes known as Family Income Benefit)

  • Provides a monthly income to your dependants on your death
  • The income ceases on the expiry of the term you have selected