Information you need to know.

Life insurance can be 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. If you don't keep up repayments on your mortgage, you may risk losing your home.
For mortgage decreasing term assurance, if your mortgage interest rates average over 10% during the policy term, there may not be enough cover to pay your mortgage off in full.
You must read the appropriate Key Features Document carefully before buying a policy. This provides details of the circumstances under which the policy would not pay out. The full terms and conditions will be sent to you when the policy starts in your policy documents.
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 and you will not get anything back.
When you take out cover, you must tell us if any of the following change between completing your application and when your plan starts:
- medical disclosures
family history
occupation travel or residence (except holidays)
pastimes
alcohol consumption
start smoking
use of recreational drugs

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, unless you increase your cover.
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 also certain terms and conditions for increasing your cover, which are outlined in the Key Features and Policy Conditions documents. Please read them carefully along with your policy documents that you'll receive when the policy starts.
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 mortgage life insurance with us, you have the option to pay your premiums monthly or annually. If you choose 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