What's covered?
You can choose to have level or reducing life cover, on a single life basis or as joint cover. Click on the links below to find out what’s covered under each.
Life Insurance - Life cover that gives you added peace of mind
Level life cover
- Your family will receive a cash sum if you die during the cover period.
- With level cover the amount that would be paid out stays the same throughout the cover period.
- The money can be enough to cover your family's expenses such as mortgage, childcare fees and everyday living costs.
- If you're diagnosed with a terminal illness the money could be paid early.
- Your monthly payments are guaranteed not to increase unless you change your cover.
- For an extra amount, 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 that your cover will continue and you won't have to pay the premiums until you're fit enough to return to work (subject to certain criteria and only available if you arrange cover over the phone).
- Special event option - 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.
Decreasing life cover
- Your family will receive a cash sum if you die during the cover period.
- With decreasing cover the amount that would be paid out reduces over the cover period.
- The cover normally runs alongside a repayment mortgage, so if you die the money can be used to pay off the mortgage.
- If you're diagnosed with a terminal illness the money could be paid early.
- Your monthly payments are guaranteed not to increase unless you change your cover.
- For an extra amount, 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 that your cover will continue and you won't have to pay the premiums until you're fit enough to return to work (subject to certain criteria and only available if you arrange cover over the phone).
- Mortgage increase and extension option - you can take out extra cover if your mortgage amount changes, subject to certain limits, without giving any extra information about your health, job or lifestyle.
Joint life cover
- You can take out a single plan that covers both you and your spouse, civil partner or someone with whom you share a financial commitment.
- If either of you die during the cover period, the other will receive a cash sum and the cover will end.
- You can choose to have level or decreasing cover on a joint basis.
- For an extra amount, one or both of 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 continue and you won't have to pay the premiums until you're fit enough to return to work (subject to certain criteria and only available if you arrange cover over the phone).
Like to talk to us?
Call 0800 917 5071
Calls may be recorded.
8am to 8pm, Mon to Fri.