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Term Life Insurance

If you have been considering a life insurance policy then you will also have heard the phrase ‘term life’. This applies to a life insurance policy that simply gives a cash benefit in the event of your death or in the event you are diagnosed with a terminal illness. These plans are often designed to cover mortgage payments, death duties, outstanding bills, funeral costs and a financial buffer for those that have been left behind. It is important when buying a life insurance policy what your family will do when you are no longer here. What will they need to survive without worrying about their finances? If you are working and living abroad your health insurance policy may not give you the right cover to look after others when you have gone and your family may need funds to return to their home country.

Term life policies are normally available for anything between five years and 35 years. This will create the financial buffer zone what they need so that they can become financially independent again. You choose the length of the policy to suit your needs.

However, the difference with this type of policy is that it will only pay out if the policy holder passes away while they have the policy and there are not the same number of benefits. You can usually add on a terminal illness cover and this is normally worth the same as the term life insurance policy, so if you are diagnosed with a terminal illness you can claim immediately and get your finances in place so that your loved ones do not have to worry about this after you have gone.

When you choose a term life insurance policy, the team at Asia Health will explain to you that your premiums will remain the same for the length of the policy. This means that you can always budget for the payments without any concerns that you are suddenly going to be asked to pay out more.

For more information on whole life insurance or term life insurance all you have to do is contact the team at Asia Health. An insurance professional will explain everything that you need to know, including all the options that are available to you so you can make the right decision for you and your family. Getting a quote for your life insurance with Asia Health is easy – all you have to do is pick up the phone. We work with some of the leading insurance providers to make sure that there is a wide range of policies available for our customers and we can soon find the right one for you.