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The guides on the right give you more detail on how life insurance works and more about Friends Provident. In the meantime, here are the key benefits of the cover available to you:

• Your monthly payments are guaranteed
• You've got the flexibility to change your cover
• You can arrange to waive your payments
• Terminal illness benefit and free cover
• Expert claims handling and support

How much will it cost?

It only takes 2 minutes to get a life insurance quote, simply click on the link below.

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Your monthly payments are guaranteed

Some life insurance companies regularly review and alter your premiums. With this policy, once your cover has started, your payments are guaranteed not to increase unless you change your cover.

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You’ve got the flexibility to change your cover

Your life insurance will be flexible enough to meet your changing needs, allowing you to increase or reduce the amount and length of your cover. Please note your premiums may change if you do this and increases will be subject to your health, job, pastimes and family history at the time.

Mortgage increase and extension option

If you increase your mortgage to pay for home improvements or move house, you can take out extra cover without giving any extra information about your health, job or lifestyle (subject to certain limits and only available if you're under age 50 and in good health - option can be exercised up to age 55).

Special events option

With level life cover, you can take out extra cover when you get married, register a civil partnership, have a child or adopt a child, without giving any extra information about your health, job or lifestyle (subject to certain limits and only available if you're under age 50 and in good health - option can be exercised up to age 55).

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You can arrange to have your payments waived

For just a little extra, you can arrange to have your payments waived if you're unable to work for more than 6 months because of illness or injury. This means your cover will carry on if you can't pay the premiums for a time (subject to certain criteria and only available if you arrange cover over the phone).

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Terminal illness benefit

If you're diagnosed with a terminal illness and you have 12 months or less to live, you can receive your cash sum early. The illness must be diagnosed at least 18 months before the end of your cover.

Free cover

Free accidental death cover - you'll receive up to 60 days' free accidental death cover when we receive your application if you're applying online. If you're applying by phone, a Friends Provident customer consultant will let you know when it starts. There are conditions attached to the cover, and we will let you know about these. This free benefit means you're automatically covered for accidental death while your application is being assessed.

Free life cover - if you're buying a house, you will get up to 3 months' free life insurance for up to £200,000 to cover you between exchange of contracts (or if you're buying in Scotland, the date the missives are concluded) and mortgage completion.

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Expert claims handling and support

In the event of a claim, you or your family will have the very best support from Friends Provident. The claims process is designed to be as straightforward as possible and includes a named claims handler who can provide guidance on how to make a claim and dedicated support throughout.