Ask the Professor
about Life Insurance
and Life Assurance.

Whenever anyone asks the Professor for Life Assurance we always ask a few questions to check exactly what they want.

We do this because lots of people confuse Life Assurance with Life Insurance - and the two types of policy are quite different.

In short, a Life Assurance policy is a type of investment combined with a form life insurance cover such that if the policyholder were to die whilst the policy was in force, the policy would pay the greater of either the sum insured by the life insurance, or the investment value of the policy. (The value of the investment always depends upon the performance of the investment markets that prevailed throughout the policy's term.) If the policyholder survived to the end of the policy, the investment sum would be paid out - but again the value of this would be dependent upon the investment conditions that prevailed during the policy's term.

With regards to Life Insurance, there's never any investment value in the policy. If there is a valid claim, the insured sum is always paid out but nothing else. If the life insurance policy reaches the end of its term, the policy finishes - no more premiums are due and the policy is worthless - it has no further value.

So do you want Life Insurance or is really Life Assurance that you need? As you would expect with its extra investment content, the monthly premiums for Life Assurance are significantly higher then for Life Insurance.

You can only access Life Insurance through the Professor's web site.

Now it's important for you to understand that the Professor always gets a life insurance professional to have a brief chat with you before you decide anything . That's because unless you speak to a professional, there's still a significant possibility that you'll buy the wrong type of life insurance policy.

Indeed, a number of financial commentators have said that they believe that around 50% of people would buy the wrong type of life insurance policy if they failed to get expert advice. That suggests that some people will be living under a misapprehension as to the exact nature of the insurance cover they have. That could be dangerous. It could also mean that some people have spent more than they needed to - and that's a waste of hard earned cash.

We want to avoid any problems, so in conjunction with our Life Insurance partners, an Adviser will phone you to double check exactly what you want. It only takes a minute or two - but it's time well spent. Better to be safe now rather than sorry later.

The Adviser will then use advanced technology to find exactly the right Life Insurance policy at the cheapest possible premium. The whole process takes less than five minutes and all the advisers' recommendations are confirmed to you in writing. We believe that this is the highest quality service on the Internet and we're very proud of it.

There's no time to loose, ask for a Quote right now and we'll transfer you to our partners life insurance web site.