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What is it?

A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term.

With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy.

 

Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage, other loan or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away. As advisors we can help you find the plan that best meets your requirements.


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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.

JLS Mortgages Ltd is an Appointed Representative of The Right Mortgage Limited which is authorised and regulated by the Financial Conduct Authority, FCA Register Number 649443. 

JLS Mortgages Ltd is registered in England and Wales with company number 05898748. Registered Office. c/o BCS, Windsor House, Station Court, Station Road, Great Shelford, Cambridge, CB22 5NE.

There may be a fee for mortgage advice of up to 1% of the mortgage amount. The actual amount payable will depend on individual circumstances. A typical fee payable is £495. You will be advised at an early stage if a fee is payable and the amount. Commercial Mortgages and some types of Buy to Let mortgages are not regulated by the Financial Conduct Authority. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK

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