Information you need to know.

Premiums

• The main factors are your age, sex, occupation, smoker status, health, the level of cover you need and type of contract that you choose. Normally, the older you are, the higher the premium. Your individual height, weight, medical history and lifestyle are all assessed.
• Premium payments include all expenses and life cover starts from just £6 per month depending on your individual circumstances and needs. Premiums are guaranteed - you pay the same throughout the term of the policy unless you change your cover.
• If you decide to include critical illness cover in your policy, you can choose between guaranteed or reviewable premiums. If you choose reviewable premiums, these are reviewed every five years and could increase or decrease.
• If you choose to exercise your guaranteed insurability option there are certain terms and conditions for increasing your cover, which are outlined in the Key Features Document. Please read it carefully.
• Our life insurance policies include terminal illness cover at no extra cost. What is covered under our terminal illness cover?
• When underwriting insurance policies, insurance companies base their premiums on a wide variety of factors that may affect the claims cost they observe among their customers. Read more about the factors that may affect your premium.
• If you take out life insurance with us, you have the option to pay your premiums monthly or annually. If you decide to pay annually you will receive a discount, giving you cheaper life insurance. Find out how much you could save.