A little bit of advice needed, please

Joe_Millionaire

I am looking at getting Level term Life insurance but am unsure I am fully understanding it all

I am looking at £150,000 Cover over 20 Years for my wife and I.

If I go through Cavendish to Norwich Union for a quick quote it will cost £10.57
Plus their fee of £25.00

OR

I go through Cavendish for a quote and come out with Friends Provident for £10.81
(Norwich Union is £11.15) Plus their fee of £35.00

Alls I would like is, if something was to happen to one of us the other one was able to pay of the mortgage and have a little over to help them get by.

When it comes to below what should I be looking at?

Product Type

• TermMortgage
• Protection
• Family Income Benefit

Benefit Type

• Death Benefit Only
• Critical Illness Only
• Death or Earlier Critical Illness

Premium Frequency

• Monthly
• Annually (Are there any benefits or is it the same price)

Term 20 Years

Premium Driven ?????????
Benefit Driven ?????????



Thanks in advance

JOE