Life Insurance

Level cover, or level term assurance simply means you pay a fixed premium for a fixed number of years and you would receive a full payout on claim at any point. Almost always the right choice for family protection and "interest only" mortgages.

Mortgage Life Insurance

Decreasing cover, or decreasing term assurance, is a cheaper option as premiums are lower to begin with. The payout reduces over the cover period, in line with a repayment mortgage. Ideal for covering a gradually reducing mortgage debt.