Renewable Term Assurance

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Key features

Renewable 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 the option to renew the policy for an further specified term at the end of the original term.

• 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.
• You agree to pay regular premiums throughout the specified term.
• If you have selected Critical Illness Cover, you must tell us about any change in occupation or employment status, as this may affect your cover or your premium.
• 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 insurer will not pay out if you do not disclose any requested information.
• The insurer will not pay out on your critical illness cover (if selected) if a claim arises from an excluded cause.