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Life Insurance 

Money or your life or both? 

Life insurance is more of a flexible friend than you may think. It all depends on your needs. There are so many different varieties of insurance linked to the life of the policyholder and so many life insurance companies with similar offerings that expert advice can be invaluable. 

Term Assurance 

At its simplest, in exchange for paying a premium, the life office will agree to pay out a certain sum if the insured dies before a certain date. 
If the policyholder does not die within the term, the policy merely lapses. There is no payout. These policies are usually cheap to buy and they perform the useful function of providing protection for those who benefit from the policy, such as family members, if the policyholder dies. 
The same principle of protection applies to a number of other types of insurance whether the benefit is, for example, to provide specific help to a deceased's family, or to repay a mortgage. 

Whole-of-Life Policies 

Similar in nature to term assurance, except whole of life policies provide cover for the whole of the insured’s life rather than for just a defined term.  
Generally more expensive than term assurance because there is a certainty that the policy holder will die at some time and the death benefit will be payable. 
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