Life insurance is available to anyone aged between 18 and 77 with a maximum end age of 90 subject to our acceptance criteria. The length of cover can be set between 5 and 40 years depending on your age.
Life insurance with Additional Critical Illness Cover is also available to anyone aged between 18 and 64 with a maximum end age of 80.
All applicants must be a permanent resident of the United Kingdom (excluding the Channel Islands and Isle of Man).
Yes. You can apply for one plan that protects you and another person for example you and your spouse or someone you share a financial commitment with. The cash sum is payable on the first death.
A joint life policy is available with either Level or Decreasing Cover.
Yes, this is where two people are covered by a single policy. If a claim is paid for a critical illness, the cover will cease and no further critical illness claims will be paid.
If you include Additional Critical Illness Cover a cash sum is payable if you’re diagnosed with a critical illness as defined in our policy. The sum assured is a fixed amount which won’t decrease over time. That part of your policy ends but the life element continues until the first death.
If you take your policy through a comparison website where your life cover and critical illness policy are combined this means there is only one payout. You can only make one claim, so if a claim is made upon diagnosis of a critical illness then your entire critical illness and life insurance policy will cease; a claim can therefore be made in either instance of death or diagnosis of a critical illness.
We only cover the critical illnesses we define in our policy. You can view the list of conditions insured by our Critical Illness Cover in the Policy Summary.
Everyone's needs will be different, and there is no right or wrong answer to this. Some people will have no dependants and feel they need very little or no cover – other people may have dependants and need cover to maintain their family’s lifestyle – and some will set the level of cover to premiums they can reasonably afford.
Here are some things to consider:
- How much your family would need to support themselves without your salary.
- Any outstanding debts that might relate to your home, credit card balances, personal loans, etc.
- How much cover you already have.
- If you are unsure about the amount of cover you need or type you may want to seek independent financial advice.
The maximum sum we offer is £750,000. However, the amount you can cover will vary depending on your age and circumstances.
This is up to you. People often take out insurance until the date they intend to retire, their debts are paid off, or their children grow up and leave home.
Working back from an important date is one way of deciding how many years of insurance you need. If you are unsure on how long you should get cover for you may want to seek independent financial advice.
Writing a policy in Trust makes it potentially exempt from Inheritance Tax. When you die, if the value of the things you own (your estate) is over the tax inheritance threshold limits applicable to your circumstances, you will be liable for inheritance tax on everything above these amounts. Your estate is all your assets, including any life insurance payment.
Writing the policy in Trust means life insurance payments may not be considered part of your estate and incur any inheritance tax.
There are two important benefits of putting your policy in Trust:
No Inheritance Tax
When you die, if the value of the things you own (your estate) is over tax inheritance threshold limits applicable to your circumstances, you will be liable for inheritance tax on everything above these amounts. Your estate is all your assets, including any life insurance payment.
Writing the policy in Trust means life insurance payments may not be considered part of your estate and do not incur any inheritance tax.
The payment to your loved one will be quicker
If you don’t leave a policy in Trust, it’s included as part of all the things you own when you die (your estate) and goes through the legal procedure for distributing your assets (probate). Probate can take a long time, especially if you do not have a Will and have a complex estate. This would delay the life insurance payment.
If your life insurance is written in Trust, your loved ones (the beneficiaries) can get access to your money more quickly compared to when not written in Trust.
If you’d like to put your policy in Trust, you can use our free online Trust tool. Once your policy is set up sign into your Online Account to access the Trust tool.
The information provided above is based on current tax rules.
If your policy isn’t written in Trust, the proceeds may form part of your estate on death, and inheritance tax could be payable. If you’re concerned about inheritance tax, you might want to discuss this with a tax expert.
Yes, we have partnered with Will writing specialists to provide every new customer the opportunity to use our free simple Will writing service.
A Will is a legal document which deals with your estate and details how you would like to distribute your assets, such as what or how much you would like to leave each individual. It can also set out any wishes you would like carried out after you die.
There are both simple and complex Wills. A simple Will is a Will that disposes of the customer’s estate to a maximum of six beneficiaries without the use of trusts or tax planning. A complex Will builds on a simple Will but with more complexity, often involving the use of trusts and a more intricate distribution of assets.
It’s important to remember that if you don’t leave behind a Will, your assets will be settled according to the law of intestacy and not according to you or your family’s wishes.
Terms and conditions apply Link opens in a new window. Get in touch when your policy is set up and we will help you arrange this.
The number to call is 0800 294 7576 to talk through making a claim.
We're here from 8am to 8pm Monday to Friday, 9am to 5pm Saturdays.
| Number | Cost |
|---|---|
| 03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
| 084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
| 087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
| 0800 numbers | Free from UK landlines and personal mobile phones. |
Calls may be monitored or recorded.
Of course - just call 0800 294 7575. There is no cash value if you cancel your policy at any time.
We're here from 8am to 8pm Monday to Friday, 9am to 5pm Saturdays.
| Number | Cost |
|---|---|
| 03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
| 084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
| 087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
| 0800 numbers | Free from UK landlines and personal mobile phones. |
Calls may be monitored or recorded.
If we can’t give you a quote immediately, we always aim to get back in touch within two working days. We will then either provide an initial decision to offer you cover or ask some further questions to help us make a decision.
If we are unable to give you a decision within two working days we promise to keep you regularly updated.
While you are waiting for a decision, you are covered by our free £100,000 Accidental Death Benefit.