We have a number of additional benefits which give you even more protection and offer you extra peace of mind. Please see the list below for more details.
Additional benefits included at no extra cost:
|SmoothMove||SmoothMove is a 24-hour moving day rescue service. If there's an emergency when you move house, services such as car recovery, hotel accommodation and legal advice are just a phone call away. SmoothMove is provided by Inter Partner Assistance, who are part of 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.|
|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||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.|
|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.
Help protect your monthly income with our Income Protection Benefit Plan. Use our quick quote calculator.
We aim to manage all of our claims with compassion and competence. To ensure we are able to do this our claims staff are trained by the Samaritans.
Get a quick glance at the differences between our life insurance and mortgage life insurance policies.