Risk Warnings

Mortgage Protection

The premium is based on a maximum interest rate of X% p.a. Should rates exceed this amount there may not be sufficient cover to repay the loan on death.

Mortgage Protection, Level and Convertible Term Policies

If premiums cease then the cover will lapse.
The plan will never accrue a surrender or maturity value.

Whole of Life - Maximum Cover

The premiums are guaranteed for the first ten years. In the tenth year they are reviewed and may have to be increased to retain the same level of cover or alternatively you may reduce the sum assured.

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