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Life Insurance Only will pay a defined sum of money upon the death of the insured person(s) during the term of the policy. Critical Illness means that a payment will also be made if an insured person contracts a serious illness mentioned in the policy.

Level Cover means that the benefit (the sum paid out) will stay at the same level throughout the period of the policy. Decreasing Cover means that the sum paid out will get smaller during the term of the policy. It is a more economical way to cover a repayment mortgage because the benefit decreases as the mortgage balance falls.