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Personal Protection

Term Life Cover


Why Term Life Cover?

Term Life Cover provides your client with protection from 5 to 70 years depending on how long your clients wishes their plan to last.

If your client was to pass away during their term or is diagnosed with a terminal illness whilst they’re covered, Term Life Cover can be used to cover any fixed financial commitments they, or their family, may need to pay - for example mortgage repayments or household bills.

What’s covered?

  • Your client will be covered if they were to pass away or be diagnosed with a terminal illness during their plan.
  • Your client chooses how much cover they need and how long for
  • Benefits including immediate cover, providing a limited amount of life cover during application stage. As well as Guaranteed Insurability Options once your client is accepted. Giving them the ability to increase their cover when their circumstances change.

Decreasing Cover

The cover amount decreases broadly in line with the amount outstanding on a repayment loan, similar to your clients mortgage for example.

Level Cover

The cover amount remains the same throughout the duration of your plan.


The cover amount rises each year in line with inflation. This ensures that your clients cover maintains its value in real terms.

We're here to help

Your Business Consultant is always ready to support you.


Adviser Hub

Quote, apply and manage your clients online.


Get in touch

Call us on 0345 601 0072. Lines open Monday - Friday 8.30am - 6pm


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