What is life insurance?

Life insurance may also be known as life cover or life assurance. Cover may be obtained to financially help your loved ones if you were to die during the length or term of your policy. A life insurance policy is not a savings or investment product and has no cash-in value. It is only paid out on death.

Good reasons to buy

Unlike some life insurance providers, we don’t need a doctor’s report or to send you off for a medical. 

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Payments start from as low as £7 per month

that's 23p a day!

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Terminal Illness Cover

Included at no additional cost for peace of mind

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Money for your loved ones

Up to a £500,000 single payment

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Better than gold, we get platinum…again! We’ve won a Platinum Trusted Service award for three years in a row now. That makes us very proud to be recognised by Feefo as providing exceptional levels of trusted service.

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Important things to know

Our Life Insurance has no cash-in value – it’s a protection policy only.

If you stop making payments, your cover ends and you won’t get anything back.

You can apply if you’re a UK resident aged between 18 and 70

If you use this to cover a repayment mortgage, the amount of cover you have will reduce by 7% each year. Therefore, if your mortgage interest rate is higher than this, the policy may not fully repay your mortgage.

Different types of life cover to suit you

Serious Illness Benefit option

For an additional monthly cost you could add this extra protection for you and your children. It gives you a financial safety net if you are diagnosed with one of the six illnesses that we define.

Frequently asked questions about our Life Insurance

Whatever your question, we've got you covered.

UK residents aged between 18 and 70.

If you pass away while covered, your family or whoever is making the claim can start the claims process once the death certificate is issued. Medical evidence might be required during the claims assessment. Once the claim is approved, the money is paid into a UK bank accounts by BACS. Typically, funds clear within three to five working days.

Serious Illness Benefit does not cover coronavirus. However, it covers six other illnesses that we define.

Yes, you can reduce the payments at any time to any amount, subject to the minimum of £7 a month for Life Insurance. If you choose to reduce your payment your cover amount will also reduce. If you have Serious Illness Benefit you may not be able to reduce your monthly payments to £7. This is because the cost of Serious Illness Benefit is worked out separately, even though we take both payments at once. Also, we will never increase your monthly payments.

You'll need to keep making monthly payment throughout the period of cover, unless you die or a terminal illness diagnosis is confirmed. 

If you make a claim on your Serious Illness Benefit (SIB), you'll need to keep making payments for your Life Insurance while your serious illness claim is being assessed. If your serious illness claim is accepted, you'll stop paying for your SIB as it will cease, but you'll carry on paying for your Life Insurance. 

You can stop making payments at any time on your Life Insurance. If you do, it will end and you won't get anything back. 

You can have a lump sum up to £500,000 for all Level Cover and Decreasing Cover policies.

UK residents aged between 18 and 70.

If you pass away while covered, your family or whoever is making the claim can start the claims process once the death certificate is issued. Medical evidence might be required during the claims assessment. Once the claim is approved, the money is paid into a UK bank accounts by BACS. Typically, funds clear within three to five working days.

Serious Illness Benefit does not cover coronavirus. However, it covers six other illnesses that we define.

Yes, you can reduce the payments at any time to any amount, subject to the minimum of £7 a month for Life Insurance. If you choose to reduce your payment your cover amount will also reduce. If you have Serious Illness Benefit you may not be able to reduce your monthly payments to £7. This is because the cost of Serious Illness Benefit is worked out separately, even though we take both payments at once. Also, we will never increase your monthly payments.

You'll need to keep making monthly payment throughout the period of cover, unless you die or a terminal illness diagnosis is confirmed. 

If you make a claim on your Serious Illness Benefit (SIB), you'll need to keep making payments for your Life Insurance while your serious illness claim is being assessed. If your serious illness claim is accepted, you'll stop paying for your SIB as it will cease, but you'll carry on paying for your Life Insurance. 

You can stop making payments at any time on your Life Insurance. If you do, it will end and you won't get anything back. 

You can have a lump sum up to £500,000 for all Level Cover and Decreasing Cover policies.

Looking for something different?

We also offer life insurance through an independent financial adviser.

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Flexible

Life cover for any amount you need and the option to adapt your plan if your circumstances change. You can also choose to increase your cover each year to protect against inflation.

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Personalised

An independent financial adviser can help you decide what cover is right for you. You can combine different cover types and you can also take out cover with your partner.

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Supportive

Access to a dedicated nurse to help you and your family (partner and children) through serious illness, injury or bereavement. You’ll also have the option to get a second medical opinion.

Useful info

Making a claim

Important Documents and Guides

Policy summary

Terms and conditions

Got a question?

Call us, we're here to help 

0800 085 4201

Free from UK landlines and mobiles

Mon to Fri: 8am-7pm. Sat: 9am-5pm. Sun: 10am-4pm.