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Term Assurance
A term assurance policy is an ideal and cost effective way of providing financial security for members of your family on your death, for a specified period.

You decide on the duration and level of the cover and pay a premium, (usually monthly), to your chosen assurance provider. If you die within the period of the contract, the insurance company will pay out as a tax free lump sum the level of life cover.

Family Income Benefit
Family Income Benefit will pay a series of annual lump sums on your death, until the end of the plan term. Its aim is to provide your dependants with a regular tax-free 'income' if you die.

As with term assurance, you decide on the duration and level of the cover and pay a premium to your chosen assurance provider. A family income benefit plan is ideal if you do not wish your dependants to receive all the sum assured in one go.

Mortgage Protection
Mortgage Protection will provide a tax-free lump sum designed to repay the outstanding repayment mortgage debt if you should die during the mortgage term. The lump sum payable on death will decrease in value each year, but will be sufficient to pay off your remaining mortgage.

The policy should match the terms of the mortgage as closely as possible.

Critical Illness
Critical Illness will pay out a tax-free lump sum if you are diagnosed as having a terminal illness or one of a range of illnesses or disabilities.

The range of illnesses that are considered critical will vary from provider to provider, so we recommend that you pay particular attention to the key features documents for any critical illness cover, before you apply for the protection.

For further details of the individual plans available, please view the key Features document at the end of the quotation process.

Not all types of critical illness cover, term assurance, permanent health insurance and long term care plans are regulated by the Financial Services Authority.

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