Level Term Life Insurance

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Term Insurance

UK Level Term Life Insurance has a level of cover which remains the same
throughout the term of your policy. You decide the number of years the policy will be in force and the level of cover you require at the outset.

A level term life insurance policy can be set up as either a single life plan or as a joint life first death policy, where the sum insured is payable on the first death. Critical Illness benefit can also be added to most level term life insurance policies for an increased premium. By adding Critical Illness benefit the policy will pay out either on death or the diagnosis of a specified critical illness, whichever occurs first.

As soon as the sum insured is paid out the life insurance policy ceases. If you survive the term and the sum insured has not become payable then the plan ceases and nothing is paid out as this product has no cash in value at any time. If you are replacing an existing policy please ensure you do not cancel your current arrangements until your new policy is in force.