Level – This type of policy will pay out a lump sum in the event of death or critical
illness (if added to your policy).
The benefit amount is fixed so will not decrease during the policy term.
Decreasing – The benefit amount decreases over time. Many people use this option to cover
a repayment mortgage.
Some insurance providers carry out soft credit checks on your data and credit history. These are not full credit searches and will not affect your credit rating.
Some insurance providers may use data they already hold about you (for example, data from existing products, loyalty scheme or transactional data) to assess and rate your cover and determine your premium.
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