Information you need to know.

Life insurance is an important financial safety net. It's essential that you give us all the information we ask for during the application and that it's accurate. If you fail to mention something like a medical condition, for example, we may not pay out in the event of a claim.
Our mortgage life insurance is there to help pay off your mortgage in the event of your death, or diagnosis of a terminal illness. It's not connected to the mortgage itself, or the repayments you make on it. If you don't keep up repayments on your mortgage, you may risk losing your home.
You must read the appropriate Key Features Document before buying a policy. These clearly detail the circumstances under which the policy would not pay out, as well as other terms and conditions.
Life insurance plans are not investment products. They have no cash in value at any time. Also, if you stop paying the premiums before the end of your policy, your cover will end after 30 days.

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.
There are no hidden extras - 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 plan.
If you decide to include critical illness cover in your plan, 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 and Policy Conditions documents. Please read them carefully.
Our life insurance and mortgage life insurance policies include terminal illness cover at no extra cost. What is terminal illness cover?
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.

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Life cover customers