Welcome to your dedicated site for Lifestyle Cover. We are incredibly proud of our partnership with Owl Financial and aim to do your very best to make everything as easy as possible for you and your clients.

Whenever you need help, our teams are here to help you.


What is Lifestyle Cover?

  • A short-term income protection policy. The cover it provides is linked to income rather than any specific credit agreements.
  • Monthly benefit up to 65% of your client's gross monthly income (income before tax or any other deductions).
  • Up to 12 months benefit payment period.
  • Maximum benefit of £3,000 per month.
  • Choice of Accident, Sickness and Unemployment (ASU) Accident and Sickness (AS) and Unemployment (U) only *.
  • Ability to change cover options if circumstances change.
  • Choice of four deferred periods for AS and three deferred periods for U.
  • Risk-rated premiums at point of sale without lengthy medical underwriting.
  • Easy switching from product providers, with no break in unemployment cover (subject to meeting certain criteria, which can be found in the Key Features). *

*This option is not available for Owl Financial advisers.

Key documents

Lifestyle Cover - key features - QGI16850

Lifestyle Cover - policy booklet - QGI7087

Key Documents

Why choose us?

Were one of the UK's leading financial service's companies and a brand you and your clients can trust, with over 175 years experience in financial services.

As at 30 June 2016, we had over nine million customers in the UK for our life insurance, pensions, investment and general insurance plans.