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Family Protection is a type of life insurance that allows you to secure your family’s financial future in the event of your death. It can be a level term insurance which means it pays out to your dependants if you die within a fixed term.
Mortgage protection insurance is essentially a name given to a life insurance policy that is specifically taken out to protect your loved ones in the event of your death during the term of your mortgage.
Whole of Life Insurance pays out a lump sum whenever you die, provided your premium payments are up-to-date. Because we all have to go sooner or later, it is inevitably more expensive than term insurance, which only provides cover over an agreed number of years.
Critical illness cover pays out a tax-free cash lump sum if you are diagnosed with a qualifying condition listed on your policy. The one-off lump sum differentiates critical illness cover from income protection, which pays a regular income and also covers a wider range of health conditions.
Life insurance becomes more expensive with age, however an Over 50’s life insurance plan offers guaranteed acceptance so you don’t need to answer any health related questions or pass any medical tests.
Income protection is a form of insurance which can provide a regular income if you are unable to work as the result of a long-term illness or injury. Income protection typically enables policy holders to claim between 50-70 per cent of their incomes and these payments are tax-free.