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Renewable term assurance

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  Renewable term assurance is level term assurance but with the flexibility to renew the plan regardless of your state of health at the point of renewal.

For an example, you take out a plan for 10 years with the renewable option this means that as long as you exercise your right before the end of those ten years you will be able to renew the plan free of any underwriting. You could have any medical condition and it would not affect the renewal of the plan in any way.

Obviously there is a certain amount of risk on the life company in plans such as this and for this reason they only offer the renewal option to clients in a good state of health at outset and there is also an additional charge applied to the premiums of the plan to cover the increased potential cost of the benefit.

Apart from the renewal option within the plan renewable term assurance runs in exactly the same way as level term assurance.

As with all types of life cover, critical illness cover and waiver of premium benefit can be built in it is a selection within our quote form so select it on one of your quotes to see if it is worth having.


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