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Level Term Life Insurance UK

A discussion of level term cover- the simplest but most basic form of cover.

With level term life insurance UK customers are getting a basic deal- there’s no cashback, no redemption value, and unless you have an inflationary deal, no accounting for the economy in the future. Level cover is a basic policy, and it’s all too easy to be underinsured.

When searching for level term life insurance UK buyers have some fairly basic considerations- it’s not an overly complicated product. The essential thin to remember is that at the end of the term, the policy simply expires. It has no cashback value, no redemption value, and there is no reward for surviving the duration of the policy! Indeed, it’s just like car insurance- at the end of a year’s car insurance, you don’t get a refund.

With level term life insurance UK customers also get the same payout whether they die in year one of the policy or the last year. Over, say, thirty years, this can have a huge impact (do you think your pound now is worth the same as it was in 1974?) There are a few policies which allow for inflationary linkage- these are a form of increasing term policy- but if you want the full range of level term policies then you simply need to raise your contributions to account for the long-term.

Finally, when buying level term life insurance UK buyers will be assessed on a fairly simple range of factors, namely, current health, age, whether they smoke or not, occupation, and occasionally a few other bits and pieces. But broadly, these factors alone will dictate the premium you end up paying.