Term Assurance

Term Assurance is the most basic form of financial protection. The policy provides a lump sum on the death or diagnosis of terminal illness of the life assured within the policy term.

There are many reasons why Term Assurance cover should be considered, including:

  1. To protect liabilities such as a mortgage.
  2. To protect your family against financial hardship.
  3. To protect friends or relations by taking out a policy on the life of another person.
  4. For short-to-mid-term inheritance tax liabilities.

The policy can be adapted to suit your needs with regards to term and sum assured, taking into account affordability. The policy can be taken on a single or joint life basis. There are other options you can select such as waiver of premium and increasing or decreasing cover.

Once your policy has been approved and is active you will not have to provide any updates with regards to your health, so you can relax knowing that your protection is in place.

*All illustrated quotes are subject to underwriting and not guaranteed

Example 1
25 year old male non-smoker with office job

£100,000 cover for a term of 40 years including:
  • waiver of premium
  • 5% annually increasing cover

£6.62 per month

Example 2
40 year old couple, non-smokers, with office jobs

£100,000 cover for a term of 20 years including:
  • waiver of premium
  • 5% annually increasing cover

£17.72 per month


We will work closely with you to identify and quantify your financial needs, targets, issues, risks and priorities and produce a comprehensive financial planning report that details a range of recommended solutions - all tailormade to your specific desired outcomes.