A Guide To Life Insurance - Further Term Assurances Case Study ....

 

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Further Term Assurances Case Study...

While it is a reasonable exercise to compare pure protective insurance policies in relation to benefits provided per £2 of premium, things are not quite so simple with convertible term.

Here the performance of any future with profit policy into which one converts is also relevant.

The cheapest convertible term policy in terms of benefits per £2 of premium may be issued by an office which does not do very well in investment terms and thus produces lower maturity values on its with profit policies than its competitors whose convertible term premium rates are higher.

In selecting a convertible term policy it therefore makes more sense to choose one issued by one of the companies known to produce good with profit maturity values, even if the cost is slightly higher.


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Read On: click here for Pure Protection Policies Packages

Even if the total cost of such a "package" marginally exceeds the cost of the elements if purchased separately, such a policy may be the best way to acquire the benefits you want, though obviously you should assess this carefully.
However, the other element often included in such packages is a long-term savings policy, either a with profit endowment........ see: click here for Pure Protection Policies Packages


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