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Level term assurance pays out if you die or, as in the case with some policies, you are diagnosed as having a terminal illness during the term of the policy. If you live to the end of the term, the policy expires and no payment is made. Similarly, if you stop paying the premiums at any time, cover will cease. Some policies however may offer a waiver of premium option in the event of illness; this option will continue to pay the premiums on your behalf to ensure that you retain cover during the period of illness. This type of policy can be applied for on either a single or joint basis and often offers good long term value for money for the younger generation, this is usually because it is often likely they will at some point in time increase their borrowing on moving home or on other loans and may have purchased the cover many years earlier when they were younger or maybe have been in better health, both of which impact on the insurance costs as you get older and always increase upwards due to insurance risk. Use our quick enquiry form to arrange a call back from a qualified advisor.
these are a sample of some of the companies available
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