Coverage

Life Insurance

Term Life, Whole Life and Indexed Universal Life, matched to what you need to protect.

What it is

A lump sum paid to the people you choose if you die. It can clear a mortgage, replace an income or pay for school.

Some policies also build a cash value you can draw on later in life.

Cover for a set number of years, usually 10 to 30. The simplest, lowest cost way to protect a family.

Best for: a mortgage and young children

Cover for life, with fixed premiums and a cash value that grows over time.

Best for: lifelong cover and leaving money behind

Lifelong cover with a cash value whose growth is linked to a market index, with a floor on the credited rate.

Best for: protection with long term growth

A smaller whole life policy to cover funeral costs and final bills.

Best for: not leaving costs to your family

Princess doesn't publish prices, because every policy is priced on you. These are the levers.

Not always. Some policies are approved on your answers alone. Larger amounts may need an exam.

Princess works it out with you from your mortgage, debts, income and who depends on you. There's no single number.

Often, yes. It depends on the carrier and where you spend your time. Princess will check before you apply.

For Life Insurance, National Life Group and Ethos, among others she can compare.

Princess will compare policies and tell you plainly which fits.