Life Insurance
Flexible cover for financial security
Life insurance offers financial protection for your client’s loved ones, with a lump-sum or monthly benefit paid if the life insured passes away.
We offer single and joint life policies as the following options:
- Life Insurance (level cover)
- Decreasing Life Insurance
- Increasing Life Insurance
- Family and Personal Income Plan
- Increasing Family and Personal Income Plan
Key documents and tools
Key documents
Key documents
Tools and calculators
Reasons to recommend Life Insurance
Cover can be tailored to offer choice for different needs
Access to Wellbeing Support included as standard, with a choice of other optional benefits
No claims cut-off periods
Key features and benefits
Fast underwriting decisions
80% of underwriting decisions receive an instant decision.
We’ll beat competitors
In some instances, you may be able to use Price Beater to get the best price for your client. Please see our Price Beater guide for more details.
Includes Accidental Death Benefit
Your client is covered while we process their application.
Waiver of Premium option
For an additional cost, your client won't have to pay their premium after 26 weeks if the person covered can't work due to illness or injury.
Terminal Illness Cover
Where the illness is expected to lead to death within 12 months, Terminal Illness Cover is automatically included for all policies with terms of two years or more.
Advance payments for funeral costs
Families can receive an advance payment of up to £10,000 on a valid life insurance claim to help cover funeral costs, with payment made directly to the Funeral Director. Terms & conditions apply.
Support from Umbrella Benefits
Wellbeing Support
Access included as standard. Personalised practical and emotional telephone support from a registered nurse provided by RedArc Assured Limited.
Fracture Cover
Covers multiple claims a year if your client gets a specified injury, up to £4,000 a year. Available for an additional £5.90 a month*.
Care Concierge
A free telephone service which gives your client and their family access to later life care experts.
* Insured by AXIS Specialty London. The support and services are provided by Trustedoctor, a sister company of Further Underwriting International SLU.
Product details
Life Insurance (level cover)
For full details, download the Product Profiles PDF: 905KB document
Minimum cover |
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Maximum cover |
If Critical Illness Cover or Critical Illness Extra is added, the maximum cover will be:
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Minimum term |
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Maximum term |
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Minimum age |
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Maximum age |
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Premiums |
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Joint life policies |
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Trusts |
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Death in the first year |
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Benefits and options
Accidental Death Benefit | |
Changing your policy (previously known as Guaranteed Insurability Option) |
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Other changes |
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Critical Illness Cover and Critical Illness Extra |
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Children’s Critical Illness Cover |
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Children’s Critical Illness Extra |
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Joint life policy separation on divorce or dissolution of a registered civil partnership |
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Free Life Cover |
Between exchange of contracts and completion of a mortgage (completion of missives and date of entry in Scotland). |
Immediate Cover |
On request Download Immediate Cover certificate PDF |
Wellbeing Support |
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Fracture Cover |
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Terminal Illness Cover |
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Total and Permanent Disability |
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Waiver of Premium |
|
Increasing Life Insurance
For full details, download the Product Profiles PDF: 905KB document
Minimum cover |
|
Maximum cover |
If Critical Illness Cover or Critical Illness Extra is chosen:
|
Type of cover |
|
Minimum term |
|
Maximum term |
|
Minimum age |
|
Maximum age |
|
Premiums |
|
Joint life policies |
|
Trusts |
|
Death in the first year |
|
Benefits and options
Accidental Death Benefit | |
Changing your policy (previously known as Guaranteed Insurability Option) |
|
Other changes |
|
Critical Illness Cover and Critical Illness Extra |
|
Children’s Critical Illness Cover |
|
Children’s Critical Illness Extra |
|
Joint life policy separation on divorce or dissolution of a registered civil partnership |
|
Free Life Cover |
Between exchange of contracts and completion of a mortgage (completion of missives and date of entry in Scotland). |
Immediate Cover |
On request Download Immediate Cover certificate PDF |
Wellbeing Support |
|
Fracture Cover |
|
Terminal Illness Cover |
|
Total and Permanent Disability |
|
Waiver of Premium |
|
Decreasing Life Insurance
For full details, download the Product Profiles PDF: 905KB document
Minimum cover |
|
Maximum cover |
If Critical Illness Cover or Critical Illness Extra is chosen:
|
Type of cover |
|
Minimum term |
|
Maximum term |
|
Minimum age |
|
Maximum age |
|
Premiums |
|
Joint life policies |
|
Trusts |
|
Death in the first year |
|
Benefits and options
Accidental Death Benefit | |
Changing your policy (previously known as Guaranteed Insurability Option) |
|
Other changes |
|
Critical Illness Cover and Critical Illness Extra |
|
Children’s Critical Illness Cover |
|
Children’s Critical Illness Extra |
|
Joint life policy separation on divorce or dissolution of a registered civil partnership |
|
Free Life Cover |
Between exchange of contracts and completion of a mortgage (completion of missives and date of entry in Scotland). |
Immediate Cover |
On request Download Immediate Cover certificate PDF |
Wellbeing Support |
|
Fracture Cover |
|
Terminal Illness Cover |
|
Total and Permanent Disability |
|
Waiver of Premium |
|
Family and Personal Income Plan (FPIP)
For full details, download the Product Profiles PDF: 905KB document
Minimum cover |
|
Maximum cover |
|
Type of cover |
|
Minimum term |
|
Maximum term |
|
Minimum age |
|
Maximum age |
|
Premiums |
|
Joint life policies |
|
Benefits and options
Accidental Death Benefit | |
Changing your policy (previously known as Guaranteed Insurability Option) |
|
Other changes |
|
Critical Illness Cover and Critical Illness Extra |
|
Children’s Critical Illness Cover |
|
Children’s Critical Illness Extra |
|
Joint life policy separation on divorce or dissolution of a registered civil partnership |
|
Wellbeing Support |
|
Fracture Cover |
|
Terminal Illness Cover |
|
Total and Permanent Disability |
|
Waiver of Premium |
|