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| Term Assurance |
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Term Rates have been SLASHED !
Price Pledge is back
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What is Price Pledge ? |
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Basically we will agree to match the price of any of our competitors for sums assured up to and including £500,000 on single, joint
life first death and dual life cases.
It applies to Level and Convertible Term Assurance policies with no indexation and Mortgage Protection Assurance Policies.
The pledge applies to ordinary rated quotes only on life cover, it does not apply to Serious Illness cover
(accelerated or standalone) i.e. no loading. Minimum premiums still apply.
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Term Assurance Examples
Figures are quoted in £IR
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Male Non-Smoker Age 40
Term 25 years Sum Assured
£200,000
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| Hibernian Life & Pensions |
41.20 |
| Eagle Star |
42.17 |
| Caledonian Life |
44.52 |
| Friends First |
45.07 |
| Irish Life |
46.55 |
| Standard Life |
46.64 |
| New Ireland |
47.34 |
| Canada Life |
51.80 |
| Scottish Provident |
54.80 |
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Male Non-Smoker Age 40
Term 25 years Sum Assured
£500,000
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| Hibernian Life & Pensions |
100.00 |
| Caledonian Life |
100.58 |
| Eagle Star |
101.56 |
| Irish Life |
102.17 |
| Friends First |
106.85 |
| Canada Life |
108.00 |
| New Ireland |
110.06 |
| Standard Life |
112.11 |
| Scottish Provident |
131.00 |
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Female Non-Smoker Age 40
Term 25 years Sum Assured
£200,000
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| Hibernian Life & Pensions |
28.80 |
| Eagle Star |
30.46 |
| Caledonian Life |
31.00 |
| Standard Life |
32.50 |
| Friends First |
33.29 |
| New Ireland |
33.45 |
| Irish Life |
37.36 |
| Canada Life |
38.00 |
| Scottish Provident |
39.40 |
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Female Non-Smoker Age 40
Term 25 years Sum Assured
£500,000
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| Hibernian Life & Pensions |
69.00 |
| Caledonian Life |
69.32 |
| Eagle Star |
71.86 |
| New Ireland |
75.34 |
| Standard Life |
76.74 |
| Canada Life |
77.50 |
| Friends First |
78.17 |
| Irish Life |
80.26 |
| Scottish Provident |
92.50 |
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Mortgage Protection Examples (9% decreasing)
Figures are quoted in £IR
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Male Non-Smoker Age 30
Term 20 years Sum Assured
£200,000
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| Hibernian Life & Pensions |
10.95 |
| Irish Life* |
10.98 |
| Standard Life |
11.80 |
| Caledonian Life |
11.93 |
| New Ireland |
13.66 |
| Canada Life |
14.20 |
| Friends First |
14.27 |
| Eagle Star |
15.00 |
| Scottish Provident |
20.80 |
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Male Non-Smoker Age 30
Term 20 years Sum Assured
£500,000
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| Hibernian Life & Pensions |
24.75 |
| Standard Life |
24.99 |
| Caledonian Life |
25.23 |
| Irish Life* |
25.70 |
| New Ireland |
25.89 |
| Eagle Star |
29.33 |
| Canada Life |
31.00 |
| Friends First |
31.88 |
| Scottish Provident |
46.00 |
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Female Non-Smoker Age 30
Term 20 years Sum Assured
£200,000
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| Hibernian Life & Pensions |
8.95 |
| Irish Life* |
10.24 |
| Canada Life |
10.80 |
| Caledonian Life |
11.24 |
| New Ireland |
11.26 |
| Friends First |
12.26 |
| Standard Life |
13.70 |
| Eagle Star |
15.00 |
| Scottish Provident |
18.20 |
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Female Non-Smoker Age 30
Term 20 years Sum Assured
£500,000
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| Hibernian Life & Pensions |
19.75 |
| New Ireland |
19.88 |
| Irish Life* |
21.70 |
| Canada Life |
22.50 |
| Caledonian Life |
23.62 |
| Eagle Star |
24.14 |
| Friends First |
26.98 |
| Standard Life |
29.74 |
| Scottish Provident |
39.50 |
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| * Irish Life figures are at 8% decreasing
Source: Tercom April 2001
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Life Insurance
