About Life Insurance

Our life cover policies will pay out either a lump sum or a regular income 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 are diagnosed with a terminal illness. (Certain restrictions apply).  Payment from this plan will normally go to your estate, which may be subject to Inheritance Tax.

With very little support from the state it is important to have additional protection in place.  Our income and mortgage payment protection plans will ensure that you still have regular income coming in if you're unable to work because of illness or injury. This money will be tax free and is designed to protect your standard of living.

If you are involuntarily made redundant our unemployment cover can help you make sure that you can continue to pay your mortgage with a little extra to help out with other household bills.

With our full range of protection options we can help ensure that you and your family are protected financially in your new home.

We all know how much children change our lives, so at a time like this it is more important than ever to make sure that they are financially secure should the worst happen to you. We are able to work out for you how much cover you need to replace loss of income through death and ill health.

Our critical illness cover can make sure that you receive a lump sum if you are diagnosed with one of the covered serious illnesses. 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 will guide you through our application process and once this is completed we can start your cover either immediately or at a date specified by you in the future. It's your choice.

Sorry, afraid not. These are not savings plans, they are for protection purposes only, and do not have a cash in value at any time. However you will have had the peace of mind that, should the worst have happened, your family would have been protected financially. 

Ultimately you decide how much Life Insurance you need. If you know exactly the level of cover you want and how long you want it for use our quick quote and apply process. If you are unsure we recommend you get some help, and double check your requirements with our online advice tool.

Yes you can. We have policies that will pay out a lump sum if you are diagnosed with one of a group of specified illnesses. There are also policies that will pay you an income if you can't work due to accident or ill health.

All residents in the UK aged between 18 and 79.  Our products are not available to people living in the Channel Islands or the Isle of Man.  (Some types of cover are only available to age 65)

You might be pleasantly surprised. Premiums start from £5  per month. The amount you pay depends upon your individual circumstances and needs.  If you stop paying your premiums your cover may cease.

Yes you can by placing the policy in trust which is something we can help you with. Please note trusts may not be suitable in all circumstances if in doubt contact a solicitor.

Tax treatment depends on your personal circumstances. Please refer to the relevant Policy Summary or Key Features for details of how benefits from each type of cover will be taxed. Any references to taxation are based on our understanding of current legislation and HM Revenue & Customs practice, which is subject to change.