- Skip to content [Accesskey 'S']
- Skip to navigation [Accesskey 'N']
- Go to Home page [Accesskey '1']
- Go to Site Map [Accesskey '3']
- Go to Search page [Accesskey '4']
- Go to Help page [Accesskey '6']
- Go to Complaints page [Accesskey '7']
- Go to Terms & Conditions page [Accesskey '8']
- Go to Contact Us page [Accesskey '9']
- Go to Access Key Details page (Accessibility information) [Accesskey '0']
Life insurance FAQs.
Our life assurance helps you protect your loved ones or mortgage 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. If you die during the term, your policy pays out your chosen amount of cover.
Our life assurance policies automatically include Terminal Illness Cover at no extra cost, and this means we'll also pay your chosen amount of cover if you're diagnosed with a terminal illness and have less than 12 months to live. Terms and conditions apply.
Mortgage Term Assurance - designed to help pay off your interest only mortgage if you die during the term of your policy.
Mortgage Decreasing Term Assurance - designed to help protect a repayment mortgage as the amount of cover reduces roughly in line with mortgage.
Your premiums are guaranteed to stay the same for all types of policy unless you change the amount of cover held. Full details can be found in the Key Features Document PDF.
You can add Critical Illness Cover and Waiver of Premium to our policies for an additional cost. Both of these options are available online.
Tell me more about life assurance
Learn more about our application process.
If the policy includes Critical Illness Cover, it will pay out once when the first one of you dies or has a valid terminal or critical illness claim.
If two separate policies are taken out each policy pays out when you die or have a valid terminal or critical illness claim during the period of cover.
No, you won't get anything back if you survive the policy term. Our life assurance policies have no cash-in value at any time.
If you cancel within 30 days we will return any premiums paid. If you cancel after 30 days, please be aware that you won't get anything back. The plan has no cash-in value at any time.
For policies that include Waiver of Premium, if you live outside the EU for more than three months we reserve the right to decline your claim and we may cancel your policy.
However, for policies that include Critical Illness Cover, if you live or travel outside the EU, USA, Canada, Australia, New Zealand, the Isle of Man or the Channel Islands for more than 12 consecutive months, we reserve the right to decline any claim and we may cancel your policy.
We recognise that sometimes your protection needs change, and as your needs change, so should your cover. Our polices include flexibility options that allows your cover to adapt with you, because you have the freedom to:
- change the term of your policy
- increase or decrease the amount of cover under your policy
- remove a life from a joint policy where cover is no longer required for that person.
How useful did you find this page?
0800 316 5591
9am to 5pm Saturday
We may record and monitor calls.
Contact Us
Visit our Contact Us section for useful telephone numbers, email and postal addresses.
Your recently viewed items
You need javascript enabled for us to remember your Recently Viewed Items.
You might also be interested in...
Single or joint life insurance?
Do you need single or joint life insurance? Read more about the different types and get instant online quotes for both.
Mortgage life insurance
Could your family afford to pay the mortgage if you died? Help make sure they never have this worry.
Critical illness cover
Get extra protection for you and your family with our award-winning critical illness cover.
