What is a Level Term Life Insurance?

These plans are commonly used for family protection. If you die during the plan term, the policy produces a tax free lump sum for your dependants.

The amount of life cover usually remains the same over the plan term selected, hence the name 'level term'.

Critical Illness cover can also be included in your plan. When you do this the plan will pay out the lump sum when your either die or are diagnosed with one of the listed critical illnesses. A life policy including critical illness cover will cost significantly more than life cover only.

Life Direct

• Who are Life Direct?
• Why use Life Direct?
• What is the benefit of buying cover through Life Direct rather than going direct to the life insurance company?
• Is there a fee for using Life Direct?

Main Types of Life Policy

• What is a Level Term Life Insurance?
• What is a Mortgage Decreasing Life Insurance?

Other Policy Types

• What is Family Income Benefit?
• What is Critical Illness?

Other FAQ's

• What are 'reviewable' + 'guaranteed' premiums?
• What is 'terminal illness' cover?
• Will I have to have a medical?
• What does putting a policy 'in trust' mean?
• Will the insurer accept me at the quoted price?