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Life insurance plans : Family Income Plan

Insureme-on-Line
When you're looking for life insurance you'll want to make sure you choose the right type of cover and get a great deal too.  Life insurance from Insureme-on-Line is an easy way to arrange cover - they have a highly trained team who will give you the information you need to help you make the right choices for you and your family.  Insureme-on-Line is part of Health-on-Line and offers Life and Critical Illness products from Legal & General and Ageas.

Call Insureme-on-Line on 01202 544 470 or contact them online to get a quote for life insurance.

Often called Family Income Benefit.  A confusing name as it is not Income Protection insurance.  Family Income Benefit is a type of term assurance.

 

It is paid as an income benefit rather than as a lump sum. Payments are usually made on a monthly basis and continue until the end of the term selected by you at the application stage.

 

As this benefit is more often used to replace income rather than pay-off loans and other liabilities, it is also possible to arrange for an increasing level of benefit to maintain the real value of the arranged protection or to keep pace with average earnings. If this option is selected then your premiums will increase upon each policy anniversary.

 

If a 20-year policy was taken out, and you died after fifteen years, the policy would pay an income to your dependents for the remaining five years.

 

The drawback is that you lose the flexibility you have with a cash sum.

 

Some term policies give the option of all cash sum or all monthly income or a mixture of both. For this reason we profile family income policies within Term Life.

 

 

 

 

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