What is Life Insurance?
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Life Insurance is a protection policy that pays out a cash lump sum to your family should you pass during the term of the policy. The policy pay out is a tax free benefit* that can be used by your family however they see fit.
It is usually recommended that the pay out be used to pay off any outstanding mortgage or loan liabilities, as a replacement of lost earnings from the deceased, to pay for children’s education expenses or to simply pay for funeral expenses. Most policies also pay out in the event of diagnosis of a terminal illness with less than 12 months left to live.
*In certain circumstances Inheritance Tax can apply to your estate, the risk of this can be minimised by writing your Life Insurance policy into Trust.
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