Life insurance advice online
We can provide online guidance tailored just for you.
Taking care of yourself or your loved ones in the event of unexpected death or serious illness is one of the most important things you'll probably ever do.
Life insurance is a way to financially protect yourself or your loved ones should you die.
As well as life insurance there are other protection needs. Critical illness and income protection are also important and provide cover for you if you're diagnosed with certain conditions or are unable to work because of long-term sickness or an accident.
Our online advice system will assess your needs in all these areas and provide a recommendation for the needs you should cover and will also provide a no obligation quote.
Examples of areas it will ask you to consider are whether you want money to:
- repay your mortgage if you die
- pay your mortgage/rent repayments if you become ill and cannot work
- provide for your dependants in the event of your death
- help to pay your household expenses if you become ill
- repay your mortgage if you become critically ill
Some of the major life events that could affect your finances are:
What if I die unexpectedly?
Our life protection policies will pay out a lump sum to help support your family and repay any debts, like your mortgage, if you die during the term of cover. We may also pay out if you're diagnosed with a terminal illness. (Certain restrictions apply). Payment from these types of policy will normally go to your estate, which may be subject to Inheritance Tax. Inheritance Tax could apply to the part of your estate that is worth more than £325,000 for tax year 2010/11.
What if I can't work because I'm sick or have had an accident?
With very little support from the state it's important to have additional protection in place. Our income and mortgage payment protection policies will ensure that you still have some income coming in if you're unable to work because of long-term sickness or an accident. The money paid out is currently tax free and is designed to protect your standard of living.
What if I'm buying a new home?
With our full range of protection options we can help ensure that you and your family are protected financially in your new home.
What if I'm having a baby?
We all know how much children change our lives, so at a time like this it's more important than ever to make sure that they're financially secure should the worst happen to you. We're able to work out for you how much cover you and your family would need if you died or were unable to work because of an accident or ill health.
What if I become critically ill?
Our critical illness policies can make sure that you receive a lump sum if you're diagnosed with one of the covered serious illnesses or conditions and survive for at least 14 days. The money can be used to repay a mortgage or other debts or to make alterations to your home to help you and your family adjust. We only cover the critical illnesses defined in our Policy Conditions, and no others.
You can apply for our life insurance policies as long as you're aged between 17 and 79 (some types of cover are only available to apply for up to age 59). You can apply for our income protection and critical illness policies if you're aged between 17 and 59. You must also be permanently living in the UK. Our products aren't available to people living in the Channel Islands or the Isle of Man.
We can provide advice on your life insurance needs and use the information you provide to help you choose from our range of products.
Getting online advice should only take about 15 to 20 minutes and will be based on the information you provide. Our service recommends cover for you only. If you require joint cover for you and a partner please call us.
Next Steps
