Term assurance plan is a form of life cover. It provides coverage for a defined period of time and if death occurs during the term of the policy then death benefit is payable to the beneficiary. An alternative to term assurance is decreasing term insurance. Here, the sum insured reduces over the term of the policy – which means the premiums can be less than for a level term policy (all other things being equal). Unlike with level term cover, the amount of cover then falls – monthly or annually – over the term of the plan. The cost of a policy is determined by a number of factors including your current health status, age, your occupation, and smoking status, lifestyle.

As with all insurance policies, conditions and exclusions will apply

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