|Accidental Death Benefit||We give you Accidental Death Benefit while we process your application, giving you some peace of mind that you’re covered in case of accidental death.|
|Terminal Illness Cover||This benefit means that your policy could pay out a lump sum on diagnosis of a terminal illness, rather than on death, providing financial support at a time when it could be needed the most. No claim can be made after the death of the person insured or within 12 months immediately before the policy ends.|
|Making changes to your policy||You can make changes to your policy, such as changing the term, the amount of cover, switching from joint to single policies or even changing your premium payments from monthly to annually. We also offer the Guaranteed Insurability option which lets you increase your cover on certain life events.|
|Accident Hospitalisation Benefit||In the unfortunate event that you're admitted to hospital with physical injuries immediately following an accident, and you stay for a minimum of 28 days we will pay out £5000.|
|Children's Critical Illness Cover||If you've taken out one of our life with Critical Illness Cover products we will automatically include Children's Critical Illness Cover at no extra cost.|
|Waiver of Premium||For an additional cost, Waiver of Premium can be added at the start of your policy. It means your premiums are waived when you are too ill to undertake your normal occupation due to incapacity caused by illness or injury. You're responsible for maintaining your premiums for the first 26 weeks of incapacity, after 26 weeks, we’ll waive your monthly payments, giving you one less thing to think about.
If you decide to add Waiver of Premium you’ll be asked to select the option when you apply online.
Free M&S vouchers
When you take out life cover online by 30 November 2015Terms and conditions apply
Call us on
0800 027 1976
Lines are open 8am to 8pm Monday to Friday and 9am to 5pm on Saturday
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