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• Level term assurance
• Decreasing term assurance
• Whole of life
• Income protection
• Payment protection
• Private medical insurance

Term assurance is designed to pay out a lump sum or monthly income in the event of death or, if selected, a defined critical illness.  The premiums are normally lower than other types of plan such as Whole of Life insurance, because Term assurance covers you for a set period of time.

If you make a valid claim during the period then it will pay out, however if you do not make a claim then cover will cease at the end of the term, and you will not get anything back.

Level Term Assurance covers you for a set amount over the term and the amount of cover, and the premiums, stay fixed throughout that term