Independent Insurance and Health & Protection Advisors 
01234 419999 
Life assurance, also known as life insurance, is an important financial product that provides peace of mind and financial security to individuals and their families in the event of unforeseen circumstances. In the UK, life assurance is widely available and can be purchased through various providers. 

What is Life Assurance? 

Life assurance is a financial product that pays out a lump sum of money to a designated beneficiary in the event of the policyholder's death.  
The lump sum payment can help provide financial support to the policyholder's dependents, cover funeral expenses or pay off outstanding debts. 

Benefits of Life Assurance 

The main benefit of life assurance is the peace of mind that it provides. Knowing that your loved ones will be taken care of in the event of your untimely death can be a great comfort. 
Additionally, life assurance can help cover any outstanding debts or expenses that may be left behind, such as mortgages, credit cards, or car loans. 

Types of Life Assurance Policies 

Term Life Assurance: This is the most common type of life assurance policy, and it provides coverage for a specific term, usually 10, 20, or 30 years. If the policyholder dies during the term of the policy, the designated beneficiary will receive a lump sum payment. 
Whole-of-Life Assurance: This type of policy provides coverage for the policyholder's entire life, and the pay-out is guaranteed if the policyholder continues to pay the premiums. 
Over-50s Life Assurance: This type of policy is designed for individuals over the age of 50 who may have difficulty obtaining traditional life assurance due to their age or health status. The premiums for this type of policy are typically higher, and the pay-out is often smaller than with other types of policies. 
Family Income Benefit: This type of policy pays out a regular income to the policyholder's beneficiaries instead of a lump sum payment. This can be useful for individuals who want to ensure that their dependents have a steady income stream in the event of their death. 

Where Can I Find Life Assurance? 

This is where we can help!  
You don't have to worry as we will do our upmost to find the policy that suits your requirements from looking at the whole of the market. 
Life Assurance is available from many different providers, including some major insurers. It is important to shop around and compare policies to find the cover that best suits your needs and budget. 
Life assurance is an important financial product that can provide peace of mind and financial security to individuals and their families. With several different types of policies available, it's important to choose the right one for your needs and budget. 
For protection advice call Nick on 01234 419999 or email 
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