The teachers Superannuation will provide your estate with 3 times your salary in the event of your death. In addition to this, if you have a spouse and/or children, there will be a Death in Service pension payable, based on your term of service with possible enhancement.

If you wish us to calculate your specific benefits please contact us by email or by phoning 01656 784862

Additional benefits

Many people feel that they require additional cover to protect liabilities and family members.

Should the life insurance cover everything owed or just the mortgage

How much additional money should be left after covering debts.

How are the premiums effected by the various risks

The following types of life cover are available:

Mortgage protection
Also known as "Decreasing Term Assurance". This policy will pay out a lump sum if you die within the specified terms. If the decreasing life cover is set up to cover your repayment mortgage, the amount of payout in the event of a claim should approximately reflect amount outstanding on your mortgage as it runs through the term.

Level Term Assurance
Level life cover means that a lump sum will be paid if you die during the policy term. The amount of life cover selected will normally remain level throughout your selected plan term, although if you wish you can increase the benefits in line with inflation.

Family Income Benefit
This policy provides cover if you die during the term of the policy. Unlike Level or Decreasing Term Assurance which pays out a lump sum, this policy provides a regular tax free income for your dependents for the remainder of the policy term. The income benefit normally remains level over the term selected. You can however have the benefits increased in line with inflation.

Critical Illness
Critical illness cover will pay a lump sum should you be diagnosed with a defined critical illness, ie: heart attack, cancer, stroke or one of many other illnesses. This cover can be used in conjunction with life insurance or as a stand alone product.

For further details use our contact page to send an email
or call 

01656 784862

link http://www.teacherspensions.co.uk/resources/pdf/Leaflets/Survivor%20and%20Death%20Benefits.pdf

Teachers IFA is a trading style of Laurel Court Associates Ltd. which is authorised and regulated by the Financial Services Authority (FSA No. 231749)