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If you haven’t got life cover yet and have financial dependents, now is the time to start thinking about how they would cope financially if you passed away. Life assurance isn’t the kind of product you really want to think about using, but knowing a lump sum benefit would be there to help your loved ones get by if you died is reassuring –especially in these difficult economic times.
There are several different types of term life insurance available to suit different circumstances, with the common theme that they pay out a lump sum if the insured dies within a pre-set period (the ‘term’). Convertible term life assurance is similar, but has some additional flexibility built in.
Whilst the principal of term assurance is that it provides cover for a set period which then expires if no claim has been made, convertible term life cover allows the insured person to convert the policy to a more permanent form of life cover once the initial term expires. It’s attractive to many who can’t initially afford a whole of life policy, but want term life cover with the option to convert to a more permanent solution when finances allow.
There are several advantages to a convertible term life policy:-
You are probably all too aware that life insurance is not a simple topic – it can be a minefield trying to buy the best life cover for your circumstances. Whilst it’s also possible to get cheap life cover, it’s vital to do a comparison of convertible life insurance quotes before buying, as policies differ in the benefits they offer.
To compare convertible term life assurance simply fill in the form to your right. Our network of FSA authorised experts will then search the whole of market to find you a great deal on life cover. The service is also free and there’s no obligation to buy anything.
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