Level Term Assurance

We are Authorised and Regulated by the Financial Services Authority (FSA) and are able to provide fully independent advice.
Our Financial Advisers have a wealth of experience in the financial services arena and are able to provide you with fully independent advice in all aspects of financial planning.

Key Features

Term Assurance is a life assurance contract which pays out a fixed sum of money if you due during the term of the contract. It is designed to help you protect your dependants against financial problems in the event of your death. It also offers a number of other features, which let you tailor the Plan to suit your individual requirements.

Aims

• To provide a guaranteed sum of money if you die at any time during a specified term.
• To provide a guaranteed sum of money if you are diagnosed as having a specified critical illness during the specified term, if you have selected critical illness cover.
• To provide a guaranteed sum of money, if you become terminally ill during the specified term, excluding the last 18 months, if you have selected terminal illness cover.

Your Commitments

• You agree to pay regular premiums throughout the specified term.
• If you have selected Critical Illness Cover, you must tell the insurer of about any change in occupation or employment status, as this may affect your cover or your premium.

Risk Factors

• If you fail to pay your premiums within 30 days of the date they are due, the policy will lapse and no lump sum will be payable if you die or become critically or terminally ill (if these options have been selected).
• The policy has no cash in value during or at the end of the term.
• The plan not pay out if you do not disclose any requested information.
• The plan will not pay out on your critical illness cover (if selected) if a claim arises from an excluded cause.