Death Benefit only
This is an affordable type of insurance policy which, during the term of the policy, will pay out a (usually) tax-free cash sum to the beneficiaries of the insured person in the event of a claim. In the majority of cases, life policies in the UK will also usually pay out if the insured person is diagnosed with a terminal illness, with less than 12 months to live. Also available now is Pension Term Assurance where tax relief can be claimed on the monthly premiums, to check eligibility please call one of our advisors.

Critical Illness Cover
Should you be diagnosed with one of the critical illnesses listed by the insurance company during the term of the policy a tax-free cash lump sum is paid out.

Death or Critical Illness
Should you die or be diagnosed with one of the critical illnesses listed by the insurance company during the term of the policy a tax-free cash lump sum is paid out.