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Life insurance can provide substantial financial help to the people you leave behind when you die.

There are a number of different policy options:

  • Increasing term 
    The sum insured increases the death benefit throughout the policy term. The premium may stay the same or increase. It is designed to protect against inflation.
  • Decreasing term
    Designed to pay off the remainder of the mortgage if you die (even if it's in joint names). The amount you’re insured for reduces as your mortgage decreases.
  • Level term
    Pays out a fixed amount if you die (even if it's in joint names). The amount you’re insured for stays the same for as long as you’re paying into the policy. This is often used with interest only mortgages.
  • Whole of life
    This option pays out a lump sum to your dependants when you die instead of within a defined term, provided that you have maintained the monthly payments.

If you’re making changes to the amount you are borrowing and/or the term on your mortgage, make sure you have enough cover in place.

You can speak to an insurance provider or your financial advisor about life insurance.