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Term Life Insurance

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What is Term Life Insurance?

Term life insurance provides you with coverage with fixed rate monthly payments for a set period of time, also known as a ‘term’. Once the term ends, you will have to renew the policy - potentially with different payment terms - or find a new policy. If you were to pass away during the set term, a lump sum will be paid to your beneficiary which could be used to cover mortgage or rent payments, to clear any existing debts or to help with funeral costs.

What kinds of term life insurance are available?

There are two kinds of term life insurance available. These are:

Decreasing term life insurance - This type of policy is suited for people who would like to take out insurance to clear a specific kind of debt that is already decreasing over time, such as a mortgage. People also take out decreasing term insurance in order to save money on monthly premiums

Level term life insurance - A policy of this kind covers you for a set period of time, such as 20 years, which will be agreed when you first take out the policy and will be maintained as long as you continue to make the monthly payments. If you pass away during this period of time, a lump sum will be paid to your beneficiaries

Both of these policies will suit different people and different circumstances. It’s important to do your research and understand the terms and conditions of each kind before signing up for any insurance package.

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If you need any help understanding what’s involved with the different kinds of term life insurance, please don’t hesitate to get in touch with our friendly and expert team today.

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  • Fully comprehensive policy, rated 5 Star by Defaqto
  • All policies underwritten by AXA Insurance UK Plc
  • Authorised and regulated by the Financial Conduct Authority (FCA)