Family Protection

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 for a year?

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

		£ per year
	Transport	£3,296.80
	Recreation and culture	£3,125.20
	Food and non-alcoholic drinks	£2,636.40
	Housing, fuel and power	£2,756.00
	Restaurants and hotels	£1,960.40
	Miscellaneous goods and services	£1,851.20
	Household goods and services	£1,565.20
	Clothing and footwear	£1,123.20
	Communication	£624.00
	Alcoholic drinks, tobacco and narcotics	£561.60
	Education	£322.40
	Health	£265.20
	Other expenditure items	£4,399.20
	Total expenditure	£24,492

(Source: Family Spending, National Statistics, 2009 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	£11.37	£19.45	£10.00	£15.70
40	£15.79	£31.49	£12.97	£23.96
45	£24.92	£52.07	£18.80	£37.29

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.


Level Temporary Assurance FAQs Find out more with our Level Temporary Assurance Frequently Asked Questions.
Frequently Asked Questions

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