One of the simplest policy types to understand; Life Insurance will pay out a sum of money when you die. You can choose whether the lump sum is directly linked to your mortgage, will cover you for a specific time period or for the whole of your life.

Level Term Insurance will pay out a set sum of money based on a set period of time

Decreasing Term Insurance will pay out a declining sum of money based on a set period of time (usually used when paying off a mortgage)

Whole of Life Insurance will pay out a set sum of money when you die and the policy will be in place for the rest of your life, this is usually the most expensive option when looking at Life insurance.

Death In Service policies can be implemented by a business for their staff and will pay a set sum of money to the deceased staff members family/ or chosen beneficiary if they die whilst still employed by the company.

As life insurance generally pays out when you die, it is cover that the policyholder will not benefit from directly themselves. They do however have the peace of mind that their loved ones/ chosen beneficiaries will not face future financial hardship because of their passing.


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