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Our Life Insurance Cover

Nobody likes to consider the prospect of dying – but life insurance is absolutely essential. Life insurance will help to safeguard your loved ones against the financial implications that can arise from covering debts such as loans, mortgages and credit cards, and with expenses such as funeral costs.

At Freedom to Insure, we have access to information from the entire life insurance market, so you can rest assured we’ll find the most competitive life insurance policy for you. Types of life insurance can vary: standard term assurance policies will cover you up to the age of 90; whole-of-life plans have no end date, and plans are also available which protect your family against the pitfalls of inheritance tax liability laws.

Terminal illness insurance comes as standard with the vast majority of life insurance policies, and is designed to pay out should you be diagnosed with a medical condition which gives you 12 months or less to live. Some providers exclude this additional benefit towards the end of your policy – but Freedom to Insure will keep you informed of any such plans to avoid any nasty surprises.

All of our consultants are fully trained to take you through the process of finding the right insurance for you. We don’t charge any setup or cancellation fees for our services, so if you’re not satisfied that we’ve found the right plan for you, you can opt out without fear of being charged.

Life Insurance Explained. Insurance Explained Life Insurance Disclosures. Insurance Disclosures

Mortgage Protection

also known as mortgage decreasing insurance or mortgage term assurance, protects an individual or individuals in the event of diagnosis of a critical illness (with less than 12 months to live) or death. A monthly sum is paid to the insurer for the plan’s term (usually the same period as the mortgage), and can decrease along with it (decreasing term) or remain at the same monthly amount (level term).

A level term policy (level term assurance)

refers to when the sum assured remains level throughout the term of the insurance policy. In most cases, this type of policy is required to protect a family or individual with an interest-only mortgage.

A decreasing term policy (decreasing term assurance)

is required in most cases to run alongside a mortgage or loan. Over the course of the term, the amount covered drops decreases in parallel with the loan or mortgage repayments, eventually ending at the same time.

Life assurance/insurance

are often thought to be two different things – but the only difference is in the terminology. ‘Assurance’ simply refers to the fact that the ‘sum insured’ is an assured amount you will receive in the event of a successful claim, unlike with home or car insurance, where there is no guaranteed amount you will be paid.

Family Protection

also known as family protection assurance, is a basic life cover for an individual or couple which can also be used to cover a mortgage. The insured covers themselves for a period of time, for a predetermined sum, against the diagnosis of a critical illness or death. This policy is typically taken by parents to cover their children until they become independent.

The term

of a policy can be determined by many factors of any individual’s circumstances, things that could be taken into account include; any outstanding debt such as car, personal or home owner loans, mortgages, funeral expenses or loss of income, these are circumstantial to the individual or individuals.

Life assurance or life insurance

what’s the difference? Well it’s quite simply terminology, people refer to insuring themselves against the worst happing and “assurance” refers to the fact the “sum insured” is an assured amount you will receive in the event of a successful claim, unlike insuring a house or car where the is no guaranteed amount that you will receive even though you are “insured”.

Term Insurance

is the most basic form of insurance, used mainly for family protection or mortgage and/or loan cover. The term policy will cover the “insured” individual or individuals for either a level amount (the sum assured stays the same) or a decreasing amount (usually taken with a mortgage or loan) over the “term” (period of years required from 5-40) for death or a critical illness (with the diagnosis being less than 12 months to live).

Life assurance / insurance

what’s the difference? Well it’s quite simply terminology, people refer to insuring themselves against the worst happing and “assurance” refers to the fact the “sum insured” is an assured amount you will receive in the event of a successful claim, unlike insuring a house or car where the is no guaranteed amount that you will receive even though you are “insured”.

Critical Illness Cover

Critical Illness Cover is vital if you are concerned about being struck down with a serious illness. Most of us will know at least one person whose life has been affected by the diagnosis of cancer, heart disease or other condition, and these illnesses may have brought upon serious financial problems. The aim of critical illness cover is to remove any financial worries during this stressful time.

This cover is usually added to life insurance plans and covers a wide range of illnesses. Many plans cover in excess of 40 serious illnesses and the majority include cover for your children as a free benefit.

The addition of critical illness cover to a life insurance plan increases the premium – but when one considers that you are 4-5 times more likely to contract a critical illness than die before the age of 65, and the protection the cover gives your children, the reasons many choose to take out critical illness cover become obvious.

If you are diagnosed, your payout can be used to ease the financial burden of having to take time off work, to pay for specialist or private treatment, to make adjustments to your home or to take a holiday during this stressful time – the choice is yours.