Our UK based staff provide a dedicated service to deal with all your life insurance queries
Our life assurance helps to protect your loved ones financially in the event of your death. You choose the amount of cover you need and the length of time you want to be insured for. Your policy is designed to pay out your chosen amount of cover if you die during the length of the policy.
Level Term Assurance and Mortgage Term Assurance work in exactly the same way. Level Term Assurance is usually taken out for family protection and Mortgage Term Assurance is taken out for mortgage protection. They are both designed to help pay out your chosen amount of cover if you die during the length of the policy.
Mortgage Term Assurance comes with two added benefits at no extra cost:
SmoothMove - a 24-hour moving day rescue service to help with emergencies on moving day and offers services such as car recovery, hotel accommodation and legal advice. SmoothMove is provided by Inter Partner Assistance, one of the largest international emergency assistance groups.
Free life cover - we offer free life cover between exchange of contracts and completion of your property purchase. In Scotland we provide the free cover from when you complete missives for your chosen property until the date of entry.
Terminal Illness Cover is included on our policies at no extra cost (minimum term of two years). It could pay out your chosen amount of cover if you're diagnosed with a terminal illness and have a life expectancy of 12 months or less, rather than on death. Providing financial support at a time when it could be needed the most.
Critical Illness Cover is available when you buy your life insurance at an additional cost. It's designed to pay out your chosen amount of cover if you're diagnosed with one of our specified critical illnesses during the length of your policy.
Read more about Terminal Illness Cover
Read more about Critical Illness Cover
Our policies allow you to make changes giving you the freedom to:
We also offer 'Joint life separation'. This allows a joint policy to be split into two new single policies if a couple divorce, dissolve their registered civil partnership or change a joint mortgage into one name.
Life assurance is designed to pay out a cash sum if you die during your chosen period of cover, which is a maximum of 40 years.
The Over 50s Life Insurance Plans, however, are designed to cover you until you die no matter when death occurs, providing you have held the plan for more than one year.
The main differences difference between the two types of plan is the age criteria and eligibility. You can apply for life assurance from age 18, but life insurance is underwritten so during the application process we will ask questions about your medical history, occupation and lifestyle. To apply for our Over 50s Life Insurance Plans you must be aged 50-80 and a UK resident when you apply. Our Over 50s Life Insurance Plans are not underwritten so you won't be asked any medical or health questions.
There are other important factors that you need to be aware of on both types of plan, so please read all the information available:
Yes, our life insurance policies can be placed in Trust. Putting your plan in Trust can help protect your beneficiaries from inheritance tax or helping to avoid probate.
Use our Online Trust Hub to help you choose the right type Trust for you. You can enter your details online so the Trust form is ready to be printed and sent to us.
Yes, you can cancel your policy. If you cancel within 30 days we'll return any premiums paid. If you cancel after 30 days you won't get anything back.
We have two great products to suit different needs, Extra and Essentials. Whichever option you choose, you'll get the same great service from a name you can trust.
We have a Defaqto five star rating for our Critical Illness Cover product.
Placing your life insurance policy in trust can also help protect against Inheritance Tax. Visit our Trust Hub for more information.
We have a great range of insurance products to offer you, such as Home, Car and Pet Insurance.