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Life Insurance: This is insurance at its simplest - it
pays out in the event of death. Premiums usually increase annually,
although level premium policies (with premiums that do not increase over
the term of the policy) are also available.
Income Protection: The policy is a flexible plan that will
pay you an income should you be sick or disabled. There is a range
of features and additional options to allow you to customise the product
to suit your individual requirements.
Critical Care: This policy pays a predetermined lump sum
on diagnosis of certain serious medical conditions or events. There are two
levels of cover, and the benefit is available either in conjunction with
life insurance cover, or on its own.
Total & Permanent Disablement Cover: This policy provides
a specified lump sum if you become totally or permanently incapacitated -
and therefore unable to earn your living - through injury or illness.
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