Level Term Insurance

Level term life insurance is the life insurance that most people think of when they consider providing for their family's future. The insurance pays out a fixed amount as a lump sum if the insured party dies during the term of the insurance policy. Read more...>

Cover Details

1. Type of Cover Life Insurance Only Life Insurance with Critical Illness
2. Amount of Cover (£)
3. Over What Term (yrs) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59
4. Level or Drecreasing Cover Level Decreasing
5. Premium Type Guaranteed Reviewable

Single Application

1. Title Mr Mrs Ms Sir Dr
2. First Name
3. Last Name
4. Smoker? No Yes
5. Date of Birth 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 January February March April May June July August September October November December 1909 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

Joint Application - if applicable

1. Title Mr Mrs Ms Sir Dr
2. First Name
3. Last Name
4. Smoker? No Yes
5. Date of Birth 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 January February March April May June July August September October November December 1909 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

Your Details

1. House Name / No
2. Street Address
3. Town / City
4. Post Code
5. Home Telephone
6. Work Telephone
7. Mobile Telephone
8. Email Address

Level Term Life Insurance

The amount of money that is given as a payout is chosen by the customer as is the length of the term and from those choices a monthly premium is calculated. The premium will also take into account medical factors such as family health history, whether the insured is a smoker and how much alcohol they drink. Insurance companies base their business on assessing risk factors and that is how they calculate life insurance premiums.

When deciding on the value of payout it can be difficult to judge how much the family will need at some time in the future but certainly most people will take into account known costs like mortgage repayments. It is prudent to remember that inflation will raise the cost of living during the term.

The premium is usually paid as a monthly direct debit these days as forgetting to pay the premium may invalidate the cover.

Although over the term of the policy money has been paid in through premiums these level term insurance policies are not a form of saving and do not have a cash-in value. The insured cannot stop payments and ask for their money back and will not receive any money if they remain alive at the end of the term.

Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

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