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Fixed Term Life Cover

Level Term Life Insurance
Level Term Life Insurance sometimes also called Level Term Cover or Level Cover. This type of life insurance has fixed monthly payments for the whole period of life insurance term. Upon accidental death cash is paid to a policy beneficiary.

Decreasing Term Life Insurance
At the end of the life insurance term cash lump sum is paid to cover the outstanding balance of the mortgage. This type of policy has decreasing payment structure, which means that your monthly payments are decreasing in lines with your mortgage payments.