A fresh approach to Health and Life insurances for health-conscious people

VavistaAssured Life Insurance

Life Insurance

What is Life Insurance and why do I need it?

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Critical Illness Cover

What is Critical Illness Cover and why do I need it?

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Income Protection

What is Income Protection and why do I need it?

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What is Life Insurance?

Life insurance policies pay out a sum of money in the event of the death of the life insured during the term of the policy. It can give peace of mind. You know that will not leave your loved ones with outstanding debts, unsustainable expenses or the burden of funeral costs.

Why do I need Life Insurance?

Life insurance cover can help with the repayment of debts such as mortgage repayments and it can provide the resources needed to maintain lifestyle after the policy holder’s death.

Many people apply for Life insurance when they take out loans, a mortgage or other financial commitments, or simply to provide money for their financial dependants. Life insurance policies often have a fixed length term, to coincide with the end of the mortgage or loan but whole of life policies are also available.

What is Critical Illness Cover?

Critical Illness policies pay out a tax-free lump sum of money following the diagnosis of a range of serious illnesses. The money can be used to ease financial pressures, pay debts or to provide funds to meet additional expenses associated with the health condition.

Why do I need Critical Illness Cover?

Being diagnosed with a Critical Illness can drastically impact the income and lifestyle of your household, particularly if that illness prevents you from working.

While an insurance policy will not make you better, it could help to reduce any financial strain that follows the diagnosis, allowing you and your family to maintain a standard of living without having to make dramatic changes to your lifestyle.

Even if the money is not required immediately, a financial cushion can allow you to plan ahead, for care needs or modifications to your home, or even for holidays with those closest to you.

What is Income Protection?

Income Protection policies provide a replacement income if you are unable to work because of ill-health or injury. The money can be used to meet your regular financial commitments such as mortgage or rent payments, household bills, food and drink, clothing etc.

These policies typically provide a fixed percentage of your normal income and this will be paid after you have been off work for a set period of time.

Why do I need Income Protection?

For most people, their ability to pay the bills is dependent on their ability to work.
State benefits for those unable to work because of sickness or incapacity provide only a very basic level of income, typically around £400 per month, while average household bills are often much higher.

Terms of Business

For more information about our terms of business, please review this document.

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