Premiums you pay and insurance cover you have stays the same for the length of your insurance.

Pay a lower premium because the amount of insurance cover goes down yearly, (useful for some as their mortgage is being paid down)*.

*Decreasing - This means the cover amount decreases each year to pay off an outstanding mortgage or loan by the end of the term based on an interest rate of 8%. This is because your debt should be decreasing as you repay it over time.

The amount of your insurance goes up and your premiums increase as years go by.**

** Increasing - As the name suggests, this increases the payout the longer the policy runs. The cover amount increases each year by 3% and your premiums increase by 3.75% each year to pay for the increased cover and age. The increasing option helps to provide some degree of protection against the risk of inflation.

Unfortunately we cannot offer you our rewards package because your premium is below £8.00 per month but we can still provide you with Life Insurance & Critical Illness cover.

To discuss how you can still get cover and our rewards package complete the form below. You will be called back by an FCA Regulated Insurance Broker.