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Common Terms Explained
Level Term
An insurance policy that pays out a guaranteed lump sum in the event of the death of the policyholder, during the policy term.
Decreasing Term
An insurance policy that pays out a lump sum in the event of the death of the policyholder, during the policy duration. However the lump sum paid out decreases over the policy term.
Critical Illness
An insurance policy that pays out only if the policyholder has been diagnosed with one of a range of critical illnesses. Typically it is not part of a standard life insurance plan, but it be additionally purchased.
Mortgage Protection
A lump sum insurance policy that repays the mortgage of the policyholder in the event of death. The amount of cover decreases over the term of the policy in line with the policyholder's mortgage.
Family Income Benefit
A policy that pays out a regular annual or quarterly income in the event of death or diagnosis of a specified critical illness.