In short

Term insurance pays a lump sum if you die during the policy term and nothing if you survive it. Because there is no savings component, the same premium buys many times the cover of an endowment plan.

What is covered, and what is not

Typically covered

Death during the policy term, subject to the wording
Accidental death benefit, where the rider is added
Critical illness benefit, where the rider is added
Waiver of premium on disability, where added

Typically excluded

Suicide within the first policy year, in most wordings
Death arising from non-disclosure of a material health or lifestyle fact
Excluded hazardous activities, unless declared and accepted

Cover and exclusions vary by insurer and by the wording issued for your risk. We confirm the exact terms on the quotation before you buy.

Who needs this cover

Anyone with dependents or debt. Buy it early: premium is set by age and health at entry and stays level for the whole term.

Why buy this through Trust Cover

Insurer-neutral advice

Quotations from several insurers, compared on wording and claims record, not premium alone.

Exclusions explained first

You see what is not covered before you buy, in plain language.

Claims handled by us

We prepare the file, submit it and chase settlement on your behalf.

Working with us

We are insurer-neutral. For every enquiry we approach multiple insurers, compare the wordings as well as the premiums, and tell you where they differ on the points that decide a claim.

After the policy is issued we stay involved: endorsements, mid-term changes, renewal reminders that start ninety days before expiry, and claims that we prepare, submit and follow to settlement.