Life Insurance
A type of insurance that pays a benefit upon the death of an insured person

Critical Illness
This option pays out a lump sum in the event that you are diagnosed with a specified illness or condition which will be defined when you take out the policy

Family Income Benefit
Family income benefit allows you to secure your family's financial future in the event that you unexpectedly die. It pays out a regular monthly (or annual) income to your family in the event of your death during the term of the plan

Mortgage Protection
Mortgage protection life insurance makes sure your family is financially secure in case something happens to you by protecting your repayment mortgage liability in the event of your death or by covering your mortgage payments in the event of injury, illness, or unemployment

Income Protection
This service provides income protection quotes for the long term in the event of illness or an accident which prevents you from working in your own occupation or an alternative occupation-a typical policy would provide cover to age 65 with maximum earnings typically being covered up to 50% in the event of a claim. Important to remember the policy benefit is paid tax free.

Fixed/guaranteed premiums
your premium is fixed at outset and will remain level until the expiry of the policy. Any increases in cover that are effected during the term of your plan will be based on your age at that time but this will only apply to the increase.

Reviewable premiums
Plans with reviewable premiums are usually cheaper initially, however, the premiums are reviewed regularly and can increase substantially.

Level Term
A policy which pays out a fixed lump sum upon your death during the term of the policy. The premiums are fixed as is the lump sum paid out when you die.

Decreasing Term
Payments are smaller and the amount you receive is intended to pay off your outstanding mortgage. The sum assured decreases each year.