Life insurance pays out a cash sum if you die and typically also if you get given less than 12 months to live.

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Term assurance is a level or increasing amount, generally to protect an interest only mortgage or for the benefit of leaving money to your family.

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Decreasing term assurance is usually arranged to cover a mortgage or loan and the amount decreases in line with the debt. It is designed to pay out a lump sum to pay off the debt if the worst happens.

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We will assess your needs and recommend a personalised plan.