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O Nas
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Term assurance (term life insurance) could be the most basic and cheapest form of life insurance coverage.

It really is mainly built to cover the repayment of a home loan in case of a borrower's death. You can find 3 main types: decreasing term assurance, level term assurance and convertible term assurance. They share the same characteristic where in fact the sum assured is payable only on the death of the life assured within the policy term. Policy could be removed on one or more lives and it is very useful for joint mortgage borrowers to set up a joint policy to pay out the sum assured on first death to protect the surviving borrower.
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Convertible term assurance

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It is a very attractive term life insurance product for first-time buyers who features a limited income and cannot afford endowment premiums at the start of these term, but additionally have to protect their mortgage.
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