Up to £500,000 payment
Lump sum payment with cover that suits you
Your monthly payments will never increase
Terminal illness cover
At no extra cost
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 lump sum for your loved ones
Decreasing Cover can help cover a repayment mortgage or a debt that decreases over time
Family Income Benefit can provide your family with a monthly income of up to £2,500 a month for the remainder of the policy
Serious Illness Benefit option
Developing a major illness can have a huge impact on your finances, as well as your health. Could you keep paying the bills if you fell seriously ill?
Our Serious Illness Benefit option could help ease the financial burden on you and your loved ones at a difficult time, when you may not be able to work. This insurance is simple and affordable, and pays out while you are covered if you have one of six serious illnesses that meets our definitions and survive 30 days.
6 good reasons choose us
- Be covered in minutes – with our easy online application.
- Money that can make a real difference – up to a £500,000 single payment or up to £2,500 a month.
- Payments start from £5 a month - that's only 17p a day!
- Extra peace of mind – we include Terminal Illness Cover, at no extra cost.
- Three types of cover to suit your lifestyle and budget – Level Cover, Decreasing Cover and Family Income Benefit.
- 2 million trust us – join policyholders across the UK who rely on us to protect their families - based on life and protection policies as at December 2016.
Get a quote in just a few minutes
Are you aged 50-80? Our Over 50s Life Cover can help
Answers to your questions
Who can apply?
You can apply for any of our types of life insurance as long as you are aged between 18 and 70, a UK resident and not a member of the Armed Forces, Army Reserve (previously known as the TA) or Reservists.
How much cover can I have?
This depends on the type of life cover you choose. The payout limit is £500,000 for all Level Cover and Decreasing Cover policies. And it’s £2,500 a month for all Family Income Benefit policies, up to a total of £500,000.
Will I need to provide medical information?
You’ll only need to answer a few simple health questions when you apply. We don’t need proof from your doctor, though, and we won’t ask for any. So please be honest and accurate. If you are, you could get cover in minutes. But please be aware that if you aren’t, we might not pay the full claim amount – and we could even cancel your policy outright.
How long do I need to make payments for?
You’ll need to keep making monthly payments throughout the period of cover, unless you die or a terminal illness diagnosis that meets our definition has been confirmed. You can stop making your payments at any time. If you do, your cover will end and you won't get anything back.
Can I reduce my monthly payments?
Yes, you can reduce the payment at any time to any amount, subject to the minimum of £5 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 £5. 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.
Can I take out additional cover?
You cannot increase cover under your existing policy; however, you can apply for a new policy. Acceptance is subject to completion of our application process. Any additional Life Cover policy taken out will be subject to the terms and conditions applicable to that policy at the time it is taken out. Also, your partner can apply for a policy too – as long as they’re eligible for cover.
What if I stop paying?
If you stop making your monthly payments then your cover will stop. It is worth remembering that you won’t get any money back, as this is a life insurance policy and not a savings plan. So you can’t cash in your cover at any time.
What if I miss a payment?
Not to worry. Just make sure to pay the full amount within 60 days of the missed payment date and you’ll be fine. If you don’t pay in that time, we’ll have to cancel your policy right after the 60th day. You won’t get a refund, won’t have cover anymore and won’t be able to restart the policy.
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 and not a member of the armed forces or the Army Reserve.