Life Insurance (Term)
personalTerm life insurance pays a lump sum if the policyholder dies within the specified term. Provides financial protection for dependants — mortgage repayment, income replacement, or family security.
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.
Typical Annual Premium
£80 – £600per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Lump sum death benefit
- ✓Terminal illness benefit (typically included)
- ✓Option: decreasing term (mortgage protection)
- ✓Option: level term (income protection)
Key Exclusions
- ✕Suicide within first 12–24 months (check policy)
- ✕Pre-existing undisclosed medical conditions
- ✕Deaths related to illegal activities
How to Make a Claim
- 1
Beneficiary notifies insurer with death certificate and policy documents
- 2
Insurer reviews claim — straightforward claims pay out within 5 working days
- 3
Lump sum paid to named beneficiaries
Available In
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Get a Free QuoteFrequently Asked Questions
How much life insurance do I need?
A common rule of thumb is 10x your annual income for income replacement. For mortgage protection, match your outstanding mortgage balance. Use GeraSure's life insurance calculator for a personalised recommendation.