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Parents Life Insurance Cover - Summary     

 Parents Life Insurance - Term Lump Sum

This type of Parents Life Insurance cover will pay out a lump sum. It is known as term insurance as it runs for a term ie; how long you're covered for, say, 20, or 30 years (the term). Term insurance cover pays out if you die within the term agreed. Should you live longer than the term, you would get nothing as most plans have no surrender value. As a couple, you can also take out joint Parents Life Insurance cover in both your names, with the policy paying out on th first to die during the term. Alternatively you can take out life insurance for parents as 2 single plans.

Common industry practise used to be minimum 10 x salary as a lump sum but with low interest rates meaning low returns on capital you may consider now 20 x income or also consider instead or combined with a Family Income Benefit.

Life Insurance for Parents - Family Income Benefit

This policy pays out income to your Family, rather than a lump sum & maybe suitable for those who are concerned about having a large lump sum to investment or low interest rate returns so require income for their family on death. This Parents Life Insurance plan may be level or increasing to help offset inflation. 

Free - New Parents Life Insurance Cover 

Several Insurers have bought out Free 1 Year £15,000 x Per Parent Life Insurance cover - for new parents and if their children are under 5. Contact us for more details


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Uk Life Insurance Quotes 2022
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