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With life insurance you choose a lump sum amount (for example £75,000). This amount is paid out if the insured person dies or is terminally ill (which means that they have 12 months or fewer to live).
The lump sum is paid to the insurance's "policy owner".
It can vary by insurer, but usually any person between the ages of 18 & 64 (and who lives in the UK) can apply.
Life insurance covers any cause of death - e.g. sickness, accident, etc.
There are few standard "exclusions" for suicide or due to alcohol or drug misusewithin the first 13 months of setting up the policy. When taking out life insurance always read the terms to ensure the policy meets your lifestyle needs.
In some rare cases, Insurers can decline a claim if there has been "non-disclosure" on the application form (for example not mentioning a history of illness). For this reason, if you are not sure about the relevance of any information it's always best to include it on your application.
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With an over 50s policy there is no medical required and acceptance is guaranteed. The policy is designed to leave your loved ones with a tax free lump sum in the event of your death. This lump sum could be used to pay for funeral costs or simply as a financial gift for your family.