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The Idol will find you some of the lowest life insurance premiums using their unique quotation system, quote-link. Just complete the online form and get an instant discounted quote.

What is a Term Assurance plan?
It's a Life Insurance plan that pays out a guaranteed cash sum if you die during the term of the plan or are diagnosed as suffering from a terminal illness.

Can the life assurance plan be taken out on a joint life basis?
You can take out the life assurance plan on your own or with someone else. The cash sum is normally payable on the first claim only.

What other benefits can I choose in addition to the life insurance?
Critical Illness Cover option pays out a cash lump sum if you are diagnosed with a specific critical illness - provided you survive for 28 days after being diagnosed. The lump sum could pay for things like nursing care, home-help, adapting your house to accommodate a disability; it could pay off your mortgage or give you a holiday to recover from treatment.

Premium payment protection. If you choose this option the premiums can be waived during a period of incapacity exceeding the deferred period. Incapacity means that you are unable to continue working or fail certain Activities of Daily Living through illness or disability.

What is the difference between whole life assurance and life term insurance?  Generally whole life assurance is regarded as cover for the entire life of an individual, paying out ultimately upon death; whereas life term insurance is life cover for a specific fixed term i.e. life insurance to cover the period of a mortgage.

What is a Mortgage Protection Plan?
A mortgage life insurance plan is used to help pay off the outstanding balance of your mortgage with a cash sum if you should die before your mortgage is repaid. Over time, the level of life insurance provided by the plan falls to reflect your reducing mortgage loan, so you are paying only for the cover you need.

Do I get any money back if I don't die before the end of my plan?
No. The plan provides pure insurance only and there is no cash-in value at any time. It has no savings content.

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All quotations for protection, insurance and investment products are provided on a direct offer basis and we offer no advice or recommendation as to the suitability of a product for your specific financial needs. If you require advice we recommend you speak to a professional financial advisor.