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Help Centre»»Is it Life Insurance or Life Assurance?

Is it Life Insurance or Life Assurance?

The terms Life Insurance and Life Assurance are often used interchangeably and depending on the context mean the same thing. However, there are subtle differences between the two terms.

Life Insurance usually refers to fixed term insurance, where you are no longer protected by the policy at the end of the term. It is insurance because payout is subject to the death happening during the term of the policy.

Life Assurance usually refers to a policy with no end date, also known as a Whole of Life policy. It is assurance because the policy pays out on death, which is assured to happen.

All help centre articles are designed to help give generic information to UK consumers. Protect Line operates on a non-advised basis, so no help centre article should be considered as advice or an indication of the terms and conditions of your policy. Insurers also update their terms and conditions from time to time and while Protect Line endeavours to keep all information up to date, there is a chance the information on these pages may become outdated. All information is correct at the time of publication. To ensure you fully understand the terms and conditions of your policy please read all your documents and contact us for clarification if there is something you do not understand.

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