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What happens if I out-live my Term Life Insurance policy?

A Term Life Insurance policy does not provide a cash sum if you are still alive at the end of the term. Premiums tend to be lower for such policies as the majority will out-live their policy. Term Life Insurance policies are generally taken out by people who do not want to leave any financial burden on their family such as mortgage payments.

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Health Insurance

Health Insurance is an insurance policy which covers you for private medical treatment, should you need it. When you take out a policy, you and the insurer agree that should you fall ill or suffer an injury, the policy will attempt to return you to the same level of health you had when you took it out.

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Life Insurance

Life insurance is a policy whereby the policyholder agrees to pay regular premiums for the policy and the insurer agrees to pay a predetermined lump sum, or ongoing payments, to the chosen beneficiaries in the event of the policyholder’s death. The amount they receive depends on the level of cover you decide on and can be directed to cover specific things, such as the mortgage.

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