Computer Arts

Gary Carruthers - Thursday, November 15, 2012

Computer Arts Article - click for download

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Term life insurance

Term assurance
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Term assurance (term life insurance) may be the most elementary and cheapest form of life insurance.
It is mainly built to cover the repayment of home financing in the eventuality of a borrower's death. You will find 3 main types: decreasing term assurance, level term assurance and convertible term assurance. They share the exact same characteristic where in fact the sum assured is payable only on the death of the life assured within the policy term. Policy could be removed using one or more lives and it is invaluable for joint mortgage borrowers to arrange a joint policy to pay out the sum assured on first death to guard the surviving borrower.
Decreasing term assurance

Decreasing term assurance is often used in conjunction with a capital repayment mortgage. The degree of cover decreases consistent with your mortgage balance. For that reason the policy will repay the outstanding mortgage debt completely, providing premiums have now been maintained and the mortgage account isn't in arrears.
Premiums of the policies are fixed at the outset and remain exactly the same through the term of the policy.

Level Term Assurance
Level term assurance will usually be arranged by mortgage borrower who includes a interest only mortgage and is using an ISA or person pension plan as the homeloan payment vehicle because neither of those mortgage products have any integral life cover.

Even though level term assurance policy is slightly more costly in comparison to decreasing term assurance policy, some mortgage borrowers would rather have a level term policy because you will see a surplus readily available for the surviving borrower after the mortgage has been repaid.

Convertible term assurance

Convertible term assurance is really a form of level term assurance policy which gives an alternative to convert it in to whole-of-life or endowment assurance later on, with no need for the policyholder to make a further health declaration. With this extra feature, the cost is going to be around 10% to 15% higher than a typical level term policy.
This option may be exercised whenever you want throughout the term of the policy. The premium on the brand new plan is going to be calculated based on the policyholder's original health declaration, and in addition on their age during the request of conversion

This is a very attractive life insurance product for first-time buyers who has a limited income and can not afford endowment premiums at the beginning of these term, but also need certainly to protect their mortgage.
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