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There are two forms of Life Cover Term Assurance and Whole of Life

Term Assurance is the simplest and cheapest form of life assurance. It pays out the amount of Life Cover as a tax-free lump sum, whether you die on the first day or the last day of policy. You pick the level of cover you require and the term you wish this cover to last and the premium remains fixed during this period.

Add-ons to Term Assurance include indexation to allow for inflation (both cover and premiums will increase annually) and also a conversion option (which allows you to re-enter the agreement without medical evidence at the end of the term.

Term Assurance is commonly used for Family Protection, Loan Cover and Business Cover (including Co-Director and Keyman Protection).

Whole of Life is the more expensive option as it covers you for the whole of your life and hence there is a guaranteed payout once you maintain your monthly premium. Premiums will alter during the course of this product.

Whole of Life policies are commonly taken out for Family Protection, Funeral Cover and Inheritance Cover.

For a comprehensive guide to Life Cover provided by the National Consumer Agency Click here

 

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