Life cover

Help protect your loved ones with life insurance. It could pay out a cash sum if you die while covered by the policy. The cash sum could be used to:

• Help financially protect your family; or
• Help pay off the mortgage.

Life cover policies have no cash value unless a valid claim is made.

Decreasing Life Insurance is designed to help protect a repayment mortgage so the amount of cover reduces roughly in line with the way a repayment mortgage decreases.

• Could help pay off your mortgage if you die
• Quick and easy online application 

This can be added for an extra cost when you take out Life Insurance or Decreasing Life Insurance. It could pay out a cash sum if you’re diagnosed with or undergo a medical procedure for one of the specified critical illnesses that we cover and survive for 14 days from diagnosis.

• In 2017, we paid out 91.7% of claims
• We paid out £209 million, with the average pay out being £64,925. 

Some types of cancer are not included and for some illnesses you need to have permanent symptoms.

If you're aged 50 to 80 and a UK resident, you're guaranteed to be accepted. It's designed to meet the demands and needs of people who:

• Want to leave a cash sum as a gift to loved ones
• Need help with funds to contribute to their funeral costs

Use our life insurance decision tree to help you work out what type of cover might suit your needs and personal circumstances.

Use our life insurance calculator to help you work out how much cover you might need.

From information about different types of life insurance to articles about looking after your health and well-being - check out our wide variety of articles and guides.

Discover the various options available for paying towards the cost of your funeral in advance.

Find out more about how to broach and discuss end of life planning with your loved ones.

We’ve taken a look at the costs of funerals region-by-region across the UK.