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Term Life Insurance

Term life insurance is a policy that is taken out for a set amount of time; it has a start and an end date. The policy is flexible in that you can choose the length of term you want cover for and the size of the lump sum that you want to protect your loved ones should you pass away within that term. It is important to remember that once the term ends, you are no longer covered. If you die after the policy’s end date, your family will not receive a payout – unless you have other life insurance cover in place.

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Term Life Insurance

What is it?

Term life insurance covers you for the length of time you’ve chosen (for example you might choose the term to match the term of your mortgage, or until you retire). If you pass away during the term, the policy will pay out, and will then end. If you don’t pass away during the term the plan ends at the date you’ve chosen the plan to stop. At this point you’re no longer covered. You don’t get anything back if you haven’t passed away during the term of your policy.

Why choose It?

People tend to choose term life insurance to cover the length of their debts & liabilities. Many even choose for the policy to last until their child reaches a certain age, such as 21, for example.

If you pass away during your covered term, your loved ones will receive a lump sum you choose. This is a great reason to get advice, to make sure the sum you’re insuring is sufficient to cover all your liabilities and provide what you need to your family. This way, your loved ones can focus on remembering you and grieving, rather than worrying about how to pay off your expenses.

Why get advice?

71% of all policies come from independent advice (ABI 2019). It pays to speak to someone who knows what they are doing before choosing your cover. This can save any unfortunate circumstances in the future if you have taken out the wrong policy.

Here at My Protection Guru we offer a free initial chat to find out exactly what you are looking for, before we guide you in the right direction with the correct policy.

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A selection of client reviews

Mitch Pink was the best advisor and helped me a lot, finding the policy and company that suited my needs best!

Miss Hanton

I can’t fault this service. Danny was excellent and very transparent. He explained my options and made sure I understood everything.

Mrs Scott

Honest approach, straight forward and simple without hounding everyday for a response, which was nice.

Mr Roberts

Danny was so helpful and gave some really useful advice. Really pleased with the price and products I was recommended.

Miss Bailey