A Term Assurance policy will pay out if the policy holder dies within a set period of time, as specified in the policy.
When taking out the policy a set term (for example 10-25 years) and an amount of cover is selected and these will stay the same until either a claim is made or the policy ends.
The level of cover required will vary from person to person. It will be dependent on the debts that need repaying and if you wish to leave a lump sum for your dependents living costs; this is something a financial adviser will be able to go through with you.
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