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Find the right life insurance for you and your loved ones
Our brokers can help you find the protection
for you, your family & your property.
for you, your family & your property.
Find the right life insurance for you and your loved ones
Life Insurance is all about ensuring your family is supported when it matters most.
Life insurance generally comes in two main forms, each designed to offer tailored protection depending on your needs and financial goals.
Decreasing Term Assurance
This type of life insurance is most commonly used to safeguard a repayment mortgage. The level of cover reduces over time, mirroring the way your outstanding mortgage balance gradually decreases. Should you pass away during the policy term, a lump sum is paid out to help clear the remaining mortgage balance, ensuring your loved ones aren’t left with the financial burden of the home they rely on.
Decreasing Term Assurance
This type of life insurance is most commonly used to safeguard a repayment mortgage. The level of cover reduces over time, mirroring the way your outstanding mortgage balance gradually decreases. Should you pass away during the policy term, a lump sum is paid out to help clear the remaining mortgage balance, ensuring your loved ones aren’t left with the financial burden of the home they rely on.
Level Term Assurance
With a level term policy, the amount of cover stays the same throughout the entire term. If you die within the covered period, your beneficiaries receive a fixed lump sum. This option is ideal for providing consistent protection for your family, helping with ongoing living costs, clearing fixed debts, or offering long-term financial security and peace of mind.
In essence, decreasing term assurance is well-suited for covering mortgage debt as it reduces in line with your loan, while level term assurance provides a steady, predictable payout to support your loved ones with broader financial needs.
As with all insurance policies, conditions and exclusions will apply.
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