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Need help?

What to consider for your Life Insurance

Need help choosing your life insurance product?

For lots of us, Life Insurance is an important way of helping to protect the people we love so that they can maintain their lifestyle should you be diagnosed with a critical illness or die. The table below is designed to give you an overview of our life cover products to help you compare the differences so you can identify the product that best suits your needs.

Life Insurance compared to Life Insurance with Critical Illness

	Life Insurance	Life Insurance with Critical Illness
Lump sum payout
Joint cover available
Level cover
Decreasing cover
Guaranteed premium
Pays out on	Death or terminal illness	Death or one of the listed critical illness conditions
Apply online

	Life Insurance	Life Insurance with Critical Illness
Lump sum payout
Joint cover available
Level cover
Decreasing cover
Guaranteed premium
Pays out on	Death or terminal illness	Death or one of the listed critical illness conditions
Apply online

Here are some simple questions and answers to help you choose what is right for you

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What do I need to protect?
You may have a spouse, or children, a mortgage, or other outstanding loans. Or a combination of all of these. There are different types of life insurance depending upon your needs.
Do I need Critical Illness cover?
If your family rely on your income then the answer is probably yes. The payout could help to cover things such as child care costs and household bills, to make adjustments to your home or lifestyle if needed, to pay for specialist medical treatment - or even to take that well needed trip away to help you recover.
Add extra protection
Life insurance and critical illness cover are both important and provide vital protection for different sets of circumstances. Life insurance with critical illness pays out a lump sum if you die, or are diagnosed with one of the listed illnesses during the term of your policy. Life insurance alone will just pay out a lump sum if you die.