Life Insurance/Assurance, pays a tax free lump sum in the event of death during a specified period in return for a fixed monthly, or annual premium. At the end of the term, the policy finishes and there is no maturity value. As a result this is the cheapest and simplest form of life cover available. There are two types available, Level and Decreasing.

Life Insurance provides money for your family if you die. It can be used to pay off a mortgage (and is sometimes called Mortgage Protection), other debts or to provide an income.

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