If you die tomorrow…
Would your family be able to afford to go on living?
Financial problems caused by the death of a loved one can
be overcome with the help of Life Insurance. Nothing can
replace
you, but a cash lump sum provided at a time when your family
or business is especially vulnerable, could make the difference
between catastrophe and those left behind 'pulling through'.
We offer four types
of Protection Plans*
-
Annually Renewable Life Insurance
Cover. Basic, low cost,
start up plan and simple application procedure. Premiums
are age related
and will increase as you get older.
-
Level Term Life Assurance. The most
common type of Insurance policy and ideal protection
for repayment mortgage
or a fixed term savings plan. An agreed number of years
cover
at outset
and a fixed premium for the length of the Insurance
term.
-
Convertible Term Assurance. Level
Term cover but with the option to convert to a Whole-life
or endowment
policy during
the term
of the plan.
-
Whole-Life Cover. A policy that remains
in force for as long as premiums are maintained. Higher
monthly or annual
contributions
are required, but a portion of the premium is
invested
to provide a cash-in value after a period of
years.
Should my partner have cover too?
Most people prefer not to think about
life without their partner. The need to cover the loss
of
the main breadwinner
in the family
is perhaps obvious and in this case a Life
Insurance policy could provide the means to clear a bank
loan on the family
home or
continue payments for an education fees program
for example.
It is also important, however, to
consider the effect of the death of your partner, even
if
she or he does
not work.
The cost
of employing someone as a housekeeper to look
after the home or a nanny to care for your
children should
not be
underestimated.
A tax free payment to them at this time would
permit the remaining partner to continue working
and for
the surviving
family to maintain
their lifestyle on one income alone.
Personal Accident
Many of the life Insurance policies we offer
contain an option to include an additional
benefit should
death occur
as a
consequence of an accident. The probability
of this may increase for the
expatriate who travels frequently or perhaps
drives a car or motorcycle on unfamiliar roads.
A separate ‘stand alone’ policy
is also available.
Payment will be made when death occurs due
to an accident as well as benefit payments
for:
-
Loss of Sight of one or both eyes
-
Loss of one or more limbs
-
Permanent Total Disablement
Act now to safeguard
your financial future
If you would like a personal quotation to
be returned to you
within 24-48 hours, please request a quote
If you would like further detailed information
or for us to call
you to discuss the options, please request more
information
* Residential restrictions
may apply, please
see our terms
of use.
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