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Level and Decreasing Life Insurance for Mortgage and Family Protection

  • Up to 25% cheaper than going direct*
  • Free Will worth £150 with every policy*
  • 5 Star TrustPilot Rating

Critical Illness Cover will pay out upon diagnosis of a critical illness

  • Up to 25% cheaper than going direct*
  • Free Will worth £150 with every policy*
  • 5 Star TrustPilot Rating

Whole of life policies cover funeral arrangements, inheritance and tax bills

  • Up to 25% cheaper than going direct*
  • Free Will worth £150 with every policy*
  • 5 Star TrustPilot Rating

Over 50's plans are suitable for people with pre-existing medical conditions

  • Up to 25% cheaper than going direct*
  • Free Will worth £150 with every policy*
  • 5 Star TrustPilot Rating

Level Term Insurance

Level term assurance is the simplest form of life insurance. It covers you on a level basis so that you are always paid the same amount if you pass away during the policy. For example: if you had £100,000 cover (also known as £100,000 sum assured) for 10 years the policy would pay out £100,000 if you passed away in year 1 or year 9.

The second point to consider is that the policy is taken over a specific term. Term being the number of years that you need the cover, this, along with the sum assured  is flexible and based on individual circumstances - cover until children are grown up or perhaps until retirement.

The maximum length of the policy is restricted by each provider but usually until 80-85 years old. If you need cover beyond this age you need to consider a whole of life policy that has no term and lasts for the rest of your life.

Level term assurance policies premiums are usually guaranteed (this means they will never change) and pay out a lump sum upon death.

Use the form above to compare level term life insurance quotes!

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