About Sterling Life Insurance

The Sterling Life Insurance Company can provide a variety of life insurance policies for an individual to help protect their family or for groups of people.

Beginning with the individual term cover, Sterling Life Insurance presents a basic plan for protecting an individual for a fixed premium. This premium remains unchanged throughout the specific policy term.

Term life insurance is designed so that the insured’s family will not suffer if the policy holder passes away. The family will be taken care of by a lump sum cash payment that could go towards funeral expenses for the insured, payment of debits, and pay off the mortgage or anything the family deems necessary to help in the financial recovery from their loss.

Like the basic individual term cover, the Keyman Cover from Sterling Life Insurance Company is designed to cover members of a staff for employers who are of key financial importance to a company. This coverage will help to protect their support staff's families and the employer themselves if something were to happen to their important employee. Of course all employees are important, however, there is always one or two that go above and beyond the call of duty and a company would have a hard time replacing them.

Sterling Life Insurance Company offers a Service Life policy plan which is an individually tailored life product for members of the armed forces.

Some of the different policies offered by the Sterling Life Insurance are payment protection, GAP insurance, personal accident, commercial and household. Each of these could be added to a life insurance policy in order to customize a special play for an individual's insurance needs.

The payment protection plan is also part of the life cover policy and will pay off a settlement figure or outstanding balance on the date of the policy holder's death. Also under the 'umbrella' of the payment protection plan coverage is an involuntary unemployment or redundancy plan which pays a monthly repayment during a person's redundancy or involuntary unemployment. There is also a disability, accident and sickness policy in addition to a critical illness life insurance policy.

With the critical illness insurance lump sum payments that a policy holder will receive upon their diagnosis and hospitalization or recovery, they could put the money to use to pay their mortgage down so that their family will be less burdened when they are gone; they could pay off their debit or other bills or they could use the money to make adjustments to their house like ramps for wheel chairs or reinforcements for breathing machines as they might need for long-term in house care.

There is also life insurance specifically designed for those UK citizens who are aged 50 or better up to the age of 80. It is typically called an ‘over 50s life insurance policy’ and has a special price to go with it. One of the benefits of the over 50s life insurance is that there are no medical questions and no examination by a physician required to obtain the coverage.

By shopping around and comparing the Steling Life Insurance prices with other companies, a policy holder will find the best life coverage, combined with other benefit policies, to fit their families needs and budgetary restraints.

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