Aegon Life Insurance

2.1. Term Life Insurance

Under this policy, Aegon offers both level and decreasing term life insurance. With a level term life insurance policy, your payout sum remains fixed throughout the policy term, ensuring consistent coverage. On the other hand, with a decreasing term policy, your sum assured will reduce throughout the policy term.

2.2. Family Income Benefit

With the Aegon family income benefit policy, your loved ones will receive monthly income payments after your death. This ensures a steady flow of income for your family, easing their financial burden.

2.3. Critical Illness Cover

Aegon's critical illness cover pays out if you're diagnosed with a serious illness. It covers 39 medical conditions, including heart attack, cancer, and stroke. You can take out this cover as a standalone policy or add it to your life insurance policy.

2.4. Life Insurance with Critical Illness Cover

Combining critical illness cover with your life insurance policy allows you to make an early claim and receive an early payout if you're diagnosed with a serious illness.

2.5. Income Protection Insurance

This policy offers to pay out up to 65% of your usual income if you're unable to work as a result of sickness or an accident. It helps to ensure that you can maintain your lifestyle and meet your financial commitments even when you're unable to work.

2.6. Whole of Life Insurance

Aegon's whole of life insurance policy guarantees a payout to your loved ones upon your passing. It can help provide them with an inheritance or help cover any inheritance tax that may be charged on your estate.

3.1. Flexible Policy Options

Aegon's life insurance policies offer highly flexible options that allow you to tailor your cover to your specific needs and circumstances.

3.2. Accidental Death Benefit

This feature automatically includes an accidental death benefit for under 55s. This means that for up to 60 days while applying for your policy, you will be covered for accidental death.

3.3. Additional Critical Illness Cover

You can choose to add Critical Illness Cover to your policy. If you do, it will automatically provide cover to any children you have.

3.4. Second Medical Opinion

If a policyholder receives a diagnosis, they can get a second medical opinion from a leading clinician. This can confirm a diagnosis or change it, as well as confirm or provide alternative suggestions for treatment.

3.5. Health Assured

Policyholders receive free access to a health and wellbeing service where they can talk to a professional counsellor 24 hours a day over the phone.

4.1. Terminal Illness Cover

All of Aegon's term policies include terminal illness cover as standard. This feature allows you to make an early claim on your life insurance if you're diagnosed with a life-threatening illness and predicted to pass away within 12 months.

4.2. Multi-Benefit Discount

Aegon offers a multi-benefit and/or multi-policy discount for those securing more than one type of cover. The more policies you take out, the larger the discount you receive.