help with life assurance

swiftybird

I have a combined personal liability and personal accident policy. It states that I am covered for any accidental bodily injury or death whilst travelling to and fro or whilst engaged in any work related activities. It also includes permanent and temporary disablement from my profession, so would this policy save me from taking out an income protection policy?

Also the current death benefit amount would be enough to pay off my mortgage which is all I would require, but the policy doesn't cover death or injury outside my line of work?
Money is tight at the moment so I don't want to duplicate cover but I do realize that the policy only covers me whilst I am engaging in my work activities so am I right in thinking that it would be advisable to take out a level term life assurance policy to pay off the mortgage debt?



Any help would be appreciated
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dunstonh

so would this policy save me from taking out an income protection policy?

What happens if you become ill or suffer an accident outside of work?

am I right in thinking that it would be advisable to take out a level term life assurance policy to pay off the mortgage debt?

assuming repayment mortgage, a decreasing term assurance policy. Not level term.

swiftybird

Yes agree thanks, just needed that confirmation that I do need to look for cover outside my work activities.

And will investigate decreasing assurance.

Thanks for your quick respose