Accidental death benefit.

What is Accidental death benefit and how does it work?

Sometimes, when you apply for life insurance we’re unable to give you an immediate decision and we may need to write to you or your doctor for more information.

But during this time you want to know that you’re still protected. So, we provide you with free accidental death benefit whilst we process your application. We provide this cover free of charge and without the need for any underwriting – giving you peace of mind that you’re covered in case of an accident.


Things you need to know

  • The amount of accidental death benefit will be the amount you applied for or £300,000, whichever is lowest.
  • The cover will start when we receive a completed application form that you complete online or over the telephone.
  • Cover will last for 90 days or until we accept, postpone or decline your application or you notify us that you no longer wish to proceed, whichever is earliest.
  • Accidental death benefit pays out a cash sum if you die within 90 days of an accident. In this instance our definition of an accident is where a bodily injury is sustained, caused by an accidental violent, external and visible means, which solely and independently of any other cause results in death.

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