Secure Term Plans are most effective when applied to:

Loan / mortgage protection Family protection on a tight budget for a specified period of time. Protection of cover for business arrangements with associates/ employers
	Secure Term Plan guarantees to cover you over a fixed term whilst premiums are being paid, with a sum assured specified at the outset. A lump sum is paid out if your death occurs before the policy ends. Term Assurance will not provide you with a cash sum when the policy ends, or if you surrender your policy before the end of the term.