Term Assurance

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Term Assurance in a level term policy, this means your sum assured will stay the same through out the policy term. Therefore if you die on the first day of the policy the full amount covered will be paid out and if you die on the last day of the policy the full amount will also pay out.

Policy term – the length of a policy in years,
Sum Assured – amount of money you require,


Life insurance policies have a minimum premium, dependant on the insurance provider these span between £5.00 and £7.50, there are no maximum premiums.

Premium – amount paid monthly to insurance provider to pay for life insurance cover. There is a yearly premium payment available however the amount payable is required in full a year in advance.


Policy benefits such as Critical Illness and premium protection can be added to your term assurance policy for an additional premium.

If the Critical illness benefit were added to your life insurance policy that would mean if you died there would be a pay out and if you got a critical illness such as cancer or suffered a stroke your policy would also pay out.

There is a full list of critical illnesses available on our website, www.cheap-life-assurance-bureau.co.uk

This policy is normally used when buying a property with an interest only mortgage or securing a personal or business loan.