Level term assurance?

Level term assurance - pays a tax-free lump sum in the event of death during a specified period in return for a fixed monthly premium. The benefit and the premium remain the same throughout the term, at the end of the term the policy finishes and there is no maturity value.

Decreasing term assurance?

Decreasing term assurance, or mortgage protection life insurance, has a sum assured which reduces each year (or possibly each month) by a stated amount, decreasing to nil at the end of the term. It is normally used to cover a reducing debt, such as the capital outstanding on a repayment mortgage.

Stand alone critical illness?

Critical illness life insurance cover (also known as 'dread disease cover') provides cover in the event of you suffering a specified illness. The benefit is payable as a tax free lump sum upon diagnosis of the illness or condition. The policy document outlines those illnesses, which are covered, but most would include cancer, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke.

Level term with critical illness?

Level term assurance - pays a tax-free lump sum in the event of death during a specified period in return for a fixed monthly premium. The benefit and the premium remain the same throughout the term, at the end of the term the policy finishes and there is no maturity value. Including critical illness benefit to level term assurance would make benefits payable in the event of either death or specified illness during the term.

Critical illness life insurance cover (also known as 'dread disease cover') provides cover in the event of you suffering a specified illness. The benefit is payable as a tax free lump sum upon diagnosis of the illness or condition. The policy document outlines those illnesses which are covered, but most would include cancer, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke.

Decreasing term with critical illness

Decreasing term assurance, or mortgage protection life insurance, has a sum assured which reduces each year (or possibly each month) by a stated amount, decreasing to nil at the end of the term. It is normally used to cover a reducing debt, such as the capital outstanding on a repayment mortgage. Including critical illness benefit to decreasing term assurance would make benefits payable in the event of either death or specified illness during the term.

Critical illness life insurance cover (also known as 'dread disease cover') provides cover in the event of you suffering a specified illness. The benefit is payable as a tax free lump sum upon diagnosis of the illness or condition. The policy document outlines those illnesses which are covered, but most would include cancer, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke.

Please advise what death or critical illness benefit you require?

Please advise of the sum assured required in £1000's.

How many years do you require this policy for?

Please advise of the length of term you require cover for in years.

Smoker?

Have you used any tobacco products within the last 12 months? This includes cigarettes, cigars and pipes, or nicotine replacements. A simple medical test may be required to check the validity of the answer to this question.