Level temporary assurance

Most people take good health for granted. But how would your family manage financially if you lost your life unexpectedly?

It's a fact of life that accidents, illness and death can happen to anyone, at any age. If the unexpected occurs, the last thing your family wants to worry about is money.

How much do you think it could cost to protect your family?

Here is an overview of the average household’s total spending.

	£ per week
Transport	58.40
Recreation and culture	57.90
Food and non-alcoholic drinks	52.20
Housing, fuel and power	57.30
Restaurants and hotels	38.40
Miscellaneous goods and services	35.00
Household goods and services	27.90
Clothing and footwear	20.90
Communication	11.70
Alcoholic drinks, tobacco and narcotics	11.20
Education	7.00
Health	5.30
Other expenditure items	71.80
Total expenditure	455.00

(Source: Family spending, National Statistics, 2010 Edition)

If you were to require childcare services as well, the figure could be even higher.

Protection for your family

You can give yourself and your family financial peace of mind, with a range of protection plans from NFU Mutual. We will help you get the right amount of cover for your personal needs, and we can review your circumstances on a regular basis, as future inflation could make the lump sum worth less than it is today.

From as little as £10.00 a month, Level Temporary Assurance is an affordable way of guaranteeing that a lump sum of money will be paid to your family in their hour of greatest need (premiums must be maintained to ensure cover remains in place).

So how much could it really cost?

Examples of monthly costs for £100,000 cover over 25 years (if accepted on standard terms). These figures are estimates only, the actual premium will depend on your individual circumstances.

Age (next birthday)	Male Non -smoker	Male Smoker	Female Non-smoker	Female Smoker
35	£12.25	£21.86	£10.25	£17.35
40	£17.61	£35.60	£14.13	£26.63
45	£28.48	£58.81	£20.98	£42.12

NFU Mutual Financial Consultants can advise you on the type of cover, length of cover and recommend an appropriate amount of cover for your current circumstances.

Temporary assurance

There is more than one type of temporary assurance available. All policies allow you to choose the amount of cover you need and the length of time that the policy covers you for. Benefits are paid should you die during the specified term, and your premiums are guaranteed not to increase during the term of the policy, irrespective of your state of health.

Level temporary assurance
This pays a lump sum directly to your dependants to help them pay off outstanding debts, meet future education costs of children, childcare costs, or simply invest to produce an income.
Mortgage temporary assurance
This policy pays out a lump sum should you die during the term of your repayment mortgage. Find out more.

Request a Financial Consultant* appointment

If you request an appointment, we'll aim to call you back within 24 hours (or the next working day), to arrange a time to meet a Financial Consultant* Request an appointment online

Alternatively, call us today** if you would like a personal response from one of our friendly and qualified staff