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- Life Insurance Life Insurance
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
Get cover in minutes
Answer a few questions and it could give your family peace of mind
Payments start from as low as £7 per month
that's 23p a day!
Terminal Illness Cover
Included at no additional cost for peace of mind
Money for your loved ones
Up to £500,000 single payment
Serious Illness Benefit
Add this optional extra protection to Life Insurance for you and your children over 30 days old
No waiting
Find out instantly with just a few health questions
Better than gold, we get platinum…again! We’ve won a Platinum Trusted Service award for two years in a row now. That makes us very proud to be recognised by Feefo as providing exceptional levels of trusted service. Hear what our customers have to say.
Different types of life insurance
cover to suit you
Level Cover
Can pay out a fixed amount to protect an interest-only mortgage or provide a single lump sum.
Decreasing Cover
Can help cover a repayment mortgage or a debt that decreases over time.
Looking for life insurance to cover your mortgage?
Our Decreasing Cover can help your family repay the mortgage when you pass away.
Frequently asked questions about our Life Insurance
Whatever your question, we've got you covered.
UK residents aged between 18 and 70. Members of the Armed Forces, Army Reserve (previously known as the TA) or Reservists cannot apply.
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. Members of the Armed Forces, Army Reserve (previously known as the TA) or Reservists cannot apply.
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.
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.
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.
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.
More about life insurance
Useful info
Got a question?
Call us, we're here to help
0800 085 4201
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Mon to Fri: 8am-7pm. Sat: 9am-5pm. Sun: 10am-4pm.