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Level Term Assurance -
Summary of Cover
You decide
on a sum insured and a term of years from the outset.
The sum insured remains constant throughout the term. The plan has no
investment content. If you die during the specified term then the sum
insured is paid out. Can be set up as a single life plan, insuring one
life for a predetermined sum insured and term. May also be set up as
a Joint life first death plan where the sum insured is payable on the
first death. Critical Illness benefit can be added to most plans where
the benefit is paid on either death or a critical illness whichever
should occur first. Terminal Illness benefit is normally payable on
most policies during the term of the policy, this usually excludes the
last 18 months of the policy term. As soon as the sum insured is paid
out the plan ceases. · If you survive the term and the sum insured has
not become payable then the plan ceases and nothing is paid out. |
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Critical Illness - Summary of Cover
A Critical Illness policy is an insurance policy, which pays out a lump
sum upon diagnosis of a serious illness. The term and sum to be insured
are decided at the outset. If a critical Illness is diagnosed during
the specified term then the sum insured is paid out. If you have not
suffered any serious illness at the end of the term then the plan ceases
and nothing is paid out. The plan can be set up on a single or joint
life basis and can be added to either Level Term or Mortgage Protection
Assurance. |
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Mortgage Life Protection
Assurance - Summary of Cover
You decide on a sum insured and a term of years from the outset.
The plan has no investment content. The sum insured reduces each month
during the term. The plan is designed to pay a sum insured that will
be equal to the outstanding capital amount under a standard repayment
mortgage. If you die during the specified term then the sum insured
is paid out. Can be set up as a single life plan, insuring one life
for a predetermined sum insured and term. May also be set up as a Joint
life first death plan where the sum insured is payable on the first
death. Critical Illness benefit can be added to most plans where the
benefit is paid on either death or a critical illness whichever should
occur first. Terminal Illness benefit is normally payable on most policies
during the term of the policy, this usually excludes the last 18 months
of the policy term. As soon as the sum insured is paid out the plan
ceases. If you survive the term and the sum insured has not become payable
then the plan ends and nothing is paid out. |
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Mortgage Payment Protection Details - Summary
of Cover
1. Accident, Sickness, and Unemployment Cover
2. Accident and Sickness Cover
3. Unemployment Cover only
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The benefits Income Protection can provide
for you:
Income
payable until you recover, or the termination date of the policy.
No income tax to pay on the replacement income.
World-wide cover for UK residents.
No exclusions other than HIV/Aids.
Discounts of up to 20% for certain occupations.
A range of income protection products to suit your individual needs |
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Discounted Investments
- What's available to you?
ISA's
SORRY
NOT AVAILABLE AT THE MOMENT
PEP Transfers
With Profit Bonds
Distribution Bonds
Managed Bonds |
