Level Term Life Insurance

Level term life insurance is most popular type of life insurance policy with UK consumers, and this may be because it is also cheapest form of insurance. With level term insurance, you and your family can enjoy peace of mind at an affordable price. If you die during term of this insurance policy, your family will receive a lump sum payment, which can help to cover a number of costs as well as provide some degree of financial security at what will inevitably be a difficult time. The money could assist with costs such as:

* Mortgage repayments * Funeral costs * Education costs for children * Day-to-day living

One of reasons that level term life insurance is a fair bit cheaper than other life insurance is because insurer only has to make a payment if insured party passes away, and even then insured party has to die during term of policy for next of kin (or named beneficiary) to be eligible for a payout. One of great things about levels term insurance is that you can benefit from cover for just a few pounds each week, and because payments remain same throughout term of policy, you’ll never have to worry about rising payments.

The reason why a level term insurance policy is so called is because repayment remain level throughout term of policy, so you will never have to worry about cost of your policy rising. The policy is also taken over a fixed term, which is where ‘term’ part of policy comes in. This means that you can enjoy easy budgeting and low cost repayments, and you’ll know exactly how long you will be making payment for. On downside, once policy expires you will not be able to reclaim any money and policy will be cancelled, so you will then need to look at taking out alternative life insurance cover.

The average term of a level term life insurance policy – unless otherwise specified – is fifteen years. There are a variety of factors that contribute to cost of policy such as whether you go for most basic package or whether you include a bolt-on such as critical illness cover, whether you are a smoker, your general health, and term over which you take policy out.

Whole Life Insurance

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