Family Protection

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Overview

Most people take good health for granted. But 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.

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). Please read our policy document for full terms and conditions.

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policy document Download the Level Temporary Assurance policy document to see the full details of our cover.

* NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers. We’ll explain the services we offer and our charges.

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

Here is an overview of the average household’s total weekly spend*.

Transport	£65.70
Household fuel & Power	£63.30
Food & non alcoholic drinks	£54.80
Recreation & culture	£63.90
Restaurants & hotels	£39.70
Miscellaneous goods & services	£38.60
Household goods & services	£27.30
Clothing & footwear	£21.70
Communication	£13.30
Alchoholic drinks & tobacco	£12.00
Education	£7:00
Health	£6.60
Other expenditure items	£69.70
Total Expenditure	£483.60

* Source: ONS Spending report 2012

How much could it cost with our life cover?

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

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)	Non -smoker	Smoker
35	£10.00	£14.41
40	£12.39	£23.40
45	£18.56	£37.39

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
The policy can be arranged for a lump sum to be paid 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.