Life Insurance
Life insurance, also known as life assurance, is a policy that pays out a sum of money upon the death of the policy holder or insured person. Life insurance policies are usually available on a single or joint life basis and can include additional cover for critical illnesses such as cancer If you work for yourself or your job has limited sick pay you need to think about income protection. The right policy will protect you and your family from the financial impact of illness, injury or death.
Term life insurance is perhaps the most basic form of life insurance. It usually provides affordable protection, often with a guaranteed premium, for some period of time. If the insured should die while the policy is in force, the face amount is paid to the named beneficiary. At the end of the premium guarantee period, the insured can renew the coverage at a higher premium.
5 Year Term life insurance provides life insurance protection for a period of five years. 5-Year Term can be appropriate when coverage is needed for a well-defined period of time. If the insured were to die, insurance proceeds could be used to help pay a mortgage, fund a child's education or ensure business continuation by helping to cover business expenses.
20 Year Term is temporary life insurance protection. Premiums for a 20-year term policy are guaranteed to remain level for the first 10 years. The premium may increase in the 11th year. Premiums after the first ten years are expected to remain level through and including year 20, but are not guaranteed and can change annually.
Increasing Premium Term is temporary life insurance protection at an affordable initial premium. This type of policy is renewable each year which means you may renew the policy annually (until the expiry age which varies by state) without providing evidence of insurability, or proof of your good health. As long as you pay the premium, the policy remains in force.
Family Protection Insurance is an innovative 10–year term plan that covers the entire family using one policy.
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