More Than Life Insurance

More ThaN had its roots in 2001 that brought fresh and innovative service ideas to the consumer finance markets. Backed by the financial muscle and expertise of the RSA Group heritage behind it, its insurance business is flourishing online. It searches for and can propose to you the best insurance deals from its panel of UK insurers such as Legal & General, Friends Provident, Liverpool Victoria, Scottish Equitable, AXA, Norwich Union and Scottish Provident.

Life Insurance Options

More Than offers the following options under its life insurance portfolio.

Level Term Life Assurance: This offers the simplest and cheapest life insurance in the market that provides a fixed lump sum cash payout to your beneficiary if you die during the policy term. The insurance amount will remain constant throughout the duration of the policy.

Mortgage Protection: This is a policy designed to cover your mortgage payments in case you die during the policy tenure. You’ll get a cash lump sum which decreases every month or year in line with the decreasing amount on your outstanding mortgage balance.

Critical Illness Cover: This policy is designed to cover you with a lump sum cash payment if you are diagnosed with certain illness as specified in the policy that impairs your ability to maintain gainful employment. This benefit can be added to either the Level Term or Mortgage Protection plans.

Income Protection Insurance: This is your Unemployment and Short Term Income Protection Cover that provides up to 12 months insurance against income loss due to an accident or illness that result in unemployment. The Long-Term version pays you regular monthly income until you recover from your disability or reach retirement age. Redundancy protection is also offered which is similar to income protection but only in the event your employer lays you off due to redundancies or retrenchment. But bear in mind your application for redundancy protection won’t be entertained if your company already announced that one is taking place soon.

Family Income Benefit: This is similar to the Term Life assurance policy but instead of paying a one time lump sum, your beneficiary or family gets a monthly income if you die within a period that you indicate. For instance, if the term is 25 years and you die in 5 years, your family gets a monthly income for the next 20 years.

Start the Road to a Secure Future

For as low as ?5 per month on a ?100,000 insurance, you can buy your peace of mind about your family’s future financial health when you’re no longer there to support them. This is the monthly premium for a non-smoking 25 year healthy female covered with 25-year insurance term. If not satisfied, you get cash back guarantees. Within the first 30 days of your policy (after the first month’s premium has been paid), you may cancel the policy and you get full refund.

Excellent Online Services

More Th>n provide quick online personalized quote within seconds of accomplishing the online questionnaire form for your age and personal details. Or you can call its dedicated 0800 number. The site provides as six-step process to assess your personal details, provide you with a quote and application online.

Unlike other insurance companies, More Th>n offers advice support online or over the phone for all your insurance doubts and can provide the needed assistance in helping you decide the best insurance coverage for your and your family.