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Parents and Daughter

Life & Cover Protection

From just £5 a month – that's equivalent to around £1.16 a week

  • We paid out 99.4% of life insurance claims in 2022 

  • Accessible healthcare with our full coverage

  • Quote in minutes, protection for years

What is life insurance?

Life insurance helps give your family financial protection if you pass away in the time you have your policy. It allows you to leave behind an amount of money to help those you love maintain their living standards and keep paying the bills.

You can use life insurance to cover one person (a single policy) or two people (a joint policy). But it’ll only pay out once so, once we’ve settled a claim, the policy ends.

In most cases, you can get life insurance even if you have medical conditions. You’ll need to tell us about them when we ask and it’s possible there might be a medical exam too (we’ll pay for this). The price you will pay depends on the level of cover selected and your personal circumstances.

Apply for life insurance by 14th July and receive a £100 gift card. 

As a thank you for taking out your policy with us, you'll be able to claim a gift card worth £100 after your 6th monthly payment.  You can choose from a Marks and Spencer, Tesco or Gift Card.

The benefits of our life insurance

Claims you can count on

We paid out 99.4% of life insurance claims in 2022

Year round care

Access to annual health checks, mental health counselling and nutritional support.

Quick and simple cover

Most customers get a quote and decision in just over 5 minutes

How does life insurance work?

It’s not about you. It’s about them. Our cover is term life insurance and will pay out a sum of money if you
die – or if you’re diagnosed with a terminal illness as we define it, and you’re not expected to live more than 12 months. Here are a few things to think about before choosing your cover.

Do you need life insurance?

Take the time to think about how much money your loved ones might need to keep their standard of living if you were to pass away. This might include costs such as bills, mortgage repayments, school fees and any other debts you might need to repay.

How long do I need cover for?

Think about how long your kids will need your financial support, or when your other half might retire. If you are over 50 and want cover for the whole of your lifetime, rather than a fixed amount of time, you could consider our Over 50 life insurance.

Joint or separate life insurance policy?

If you and your partner would like combined cover, you can take out a joint policy. This pays out once and won’t provide cover for the second person after the first person passes away.

Another way would be to each take out a separate policy. So once we pay out for one person their policy will end – but the second person’s policy will continue.

Why get life insurance?

Having life insurance is probably the most important thing you can do to help protect the ones you love. When you die, your policy can leave money for those you leave behind. This means:

  • Fewer bills – help pay off the debts they have left, such as a mortgage

  • Peace of mind – help reduce your family's money worries at what can be a difficult time

  • Financial support – to help your family carry on without you

It’s worth totting up how much loved ones might need to pay off a mortgage or keep up repayments, settle any debts and cover general living costs. We have a tool to do just that.

How much cover will I need?

Mother and Son

Choosing your life cover

We offer two different types of life cover: level cover and decreasing cover.

Both are what we call term insurance policies – meaning they help protect your loved ones for a fixed amount of time, or term.

The type of cover you want may depend on who you want to protect and how much you’d like to pay each month.

Level cover


Choose a lump sum to leave behind for your loved ones, and select how long you want your cover to run for. You’ll then pay the same amount each month until your policy ends.

This lump sum can help to maintain the living standards of loved ones. It could be used to pay off an interest-only mortgage, or go towards general living costs and monthly outgoings, such as rent.


Protecting your cover from the effects of inflation


You can choose to make your cover amount increase in line with inflation. This means that your monthly payments may rise, and ensures the lump sum won’t be worth less in the future because of the rise in the cost of living.

If you choose this option, the maximum annual increase would be 15% to your premium and 10% to your cover.

Are you eligible for life insurance? 


To apply for cover, you must:

  1. Be in the UK, with a legal right to live there. You must consider your main home as being in the UK. You must have no current intention of moving anywhere else permanently. The UK does not include the Channel Islands, the Isle of Man or Gibraltar

  2. Be aged between 18 and 77

  3. Answer all questions we ask you truthfully


In most cases, you won’t need a medical exam. But if we do ask you to have one, we’ll cover the costs.

Decreasing cover

You might choose this type of cover to help your loved ones pay off a repayment mortgage or long-term loan if you pass away at any time during the policy term.

The cover lasts for a specific length of time, and your monthly premiums are fixed, unless you make any changes to your policy.

The value of what you’re paying off gradually decreases over time, and so does the cover. That’s why it usually costs less than level cover.

Read more about term life insurance.


What our life insurance covers

Level cover and decreasing cover policies cover you if you pass away during the term of your policy. We’ll then pay out a cash lump sum – it’s as simple as that.

What's covered

Lump sum payment

You can choose up to £5 million worth of cover and we’ll pay the full amount after a successful claim.

Protection if you die

We’ll pay a lump sum if you pass away during the policy term – simple as that.

House purchase cover

If you're taking out cover to coincide with the purchase of a new house, we'll give you up to 90 days' free life insurance. The free cover begins when we’ve accepted your application and you’ve exchanged contracts or completed missives, as long as you’ve given us a future start date that coincides with the completion of your house purchase. Terms apply. See policy conditions for full details.

Terminal illness

Receive your lump sum payment early if you’re diagnosed with a terminal illness that meets our definition and you’re not expected to live longer than 12 months. Once payment is made your policy will end and no further claims will be paid.

Length of cover

You can choose the length of cover you need – from short-term to 50 years, or until you’re 90 years old.

A separation benefit

If you separate from your partner, we can split your joint policy into single policies.

What's not covered

Not paying your premiums

If your payments stop, so does your cover.

Cashing in your policy

The policy has no cash-in value at any time.

Death outside of the policy term

You choose how long your policy lasts. Once it’s finished, your cover will stop and we won’t pay out if you die.

Suicide and self-inflicted injuries in the first year

You won’t be covered if you die in the first 12 months of the policy as a result of suicide or intentional, self-inflicted injury.

How do I get a life insurance quote?

We only need a few details from you to get started. If you need help with your quote at any point, give us a call.

We need to know:

  • whether you’d like family or mortgage protection

  • how much cover you need

  • how long you need it for

  • whether it's for you or for you and someone else.

  • if you want to add critical illness cover

  • your personal information such as your name, email address and date of birth

  • if you smoke

Grandpa and Grandchild Having Fun

Call us free 

0800 000 0000

Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free.

Our opening hours may be different depending on which team you need to speak to.

Or get us to call you

Why choose us for life insurance?

We’re proud our cover is 5 Star Rated by trusted industry expert.

We can help you stay healthier today

Our life insurance comes with access to health and wellbeing services

We’ve got heritage

We’ve been protecting people like you for over 16 years


You can count on us

In 2022 we paid out 99.4% of life insurance claims, helping tens of thousands of customers through some of their most challenging times with payouts totalling more than £43.6m

We’re taking action on climate change

We’re the first major insurer worldwide to target becoming a Net Zero company by 2040. While we are working towards our sustainability ambitions, we acknowledge that we have relationships with businesses and existing assets that may be associated with significant emissions.

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If you’re not sure if income drawdown is right for you, take a look at other options for taking money from your pension once you’re retired. You can see more and compare your options here.

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Our savings marketplace offers you a selected range of cash savings accounts. Each has competitive interest rates, so it's just a case of finding the one that best suits you.

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