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LTA (Level Term Assurance)

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Level Term Assurance (LTA) policies cover you for a fixed period of time (for example, until your children reach the age of 18). You pay a premium and if you die within a certain time period your named beneficiary will receive a lump sum payout.

It is important to remember with this type of assurance that if you do not make a claim by the time the cover expires then you will have to renew your policy – it will only cover you for the period you set out at the start of the policy. You will receive no cash back at the end of the term.

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