What is life insurance?
How does Life Insurance work?
It could pay out a cash sum if you die or are diagnosed with a terminal illness (life expectancy is less than 12 months) while covered by the policy. The amount of cover you choose will always remain the same, unless you alter your policy.
You choose the amount of cover you need and how long you need it for. You can take out life insurance in joint or single names and you can pay your premiums monthly or annually.
- Premiums start from only £6 a month depending on your individual circumstances
- The cash sum could help pay the mortgage or to help with everyday living expenses
- Peace of mind for you knowing life insurance can help financially protect your loved ones
- Option to add Critical Illness Cover when taking out cover for an additional cost
Who needs Life Insurance?
Anyone may have a need for Life Insurance depending on their individual circumstances. For example, those with children, a partner or spouse who depend on your income, or those with a mortgage on the family home.
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Product details
What's covered?
- You'll be covered if you die or are diagnosed with a terminal illness (life expectancy less than 12 months) within the length of the policy.
- You choose the amount of cover you need and how long you need it for.
- The amount of cover remains the same throughout the policy term unless you alter your policy.
- Premiums are guaranteed and will not change unless you make changes to the policy.
- Additional benefits are included at no extra cost, such as Free Life Cover and Accidental Death Benefit. Terms and conditions apply.
- You have the option to add Critical Illness Cover at an extra cost when you take out your life insurance policy.
What's not covered?
- You won't be covered if within the first year of the policy, you die as a result of suicide or, intentional and serious self-injury or, an event where, in our reasonable opinion, you took your own life
- You won't be covered if the terminal illness does not meet our definition
- You won't be covered if the premiums under the policy are not up to date
- You won't be covered if a terminal illness claim is made after death
Important information
Please remember that life insurance is not a savings or investment product and has no cash value unless a valid claim is made.
If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless you ensure that your amount of cover is adjusted to match any new mortgage arrangements.