Level Term Protection
Term cover is a policy which gives you a guaranteed lump sum if you die within a specified term. This arrangement has premiums which may either be guaranteed at outset until the end of the term or maybe reviewable and so will increase during the life of the policy.
Most term assurance policies are purely risk driven and therefore have no investment element which means that if the policy is surrendered or comes to the end of its term without a claim, there will be no cash-in value.
This type of policy may be appropriate for protection of a mortgage, personal loan or family protection.
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