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Life Assurance

Life assurance offers you and your family financial protection when you need it most.  It will provide a tax free cash lump sum on death, for the equivalent of a few pounds a week.  Also known as Term assurance as this refers to the fact that it only pays out if the policyholder dies during the term of the plan which is specified at outset of the plan.  If the policyholder ceases to pay the premiums, the policy terminates and has no value.  The life assurance sum assured remains level throughout the term of the plan.

You also have the option to include Critical illness and/or Waiver of Premium benefit for additional protection to the policyholder and family.  Another option which is available is Indexation which means that the sum assured selected at outset is protected against the effects of inflation over the term of the plan.  If Critical illness benefit is built into the Life assurance plan then the sum assured is paid out at the earlier of death or diagnosis of a specified critical illness.