Applications for this product can be made up to and including 31st May 2019.

Get started with Parent Free Life Cover for 12 months

Whether you have a new arrival or a toddler, you'll know that being a parent can be the best job in the world, albeit a busy one. You'll often feel like your world has been turned upside down and you don't have a second to spare, but we still need to find time for the things that really matter.

That's why we'd like to get you started with £15,000 of free life cover for 12 months. Just apply before your child's 5th birthday to take advantage.

Both parents can apply for their own policy. So each policy could pay out £15,000 if the person insured died before the end of the policy.

Things you need to know

Our Parent Free Life Cover is designed to meet the demands and needs of parents with children under age 5 who want a policy that would help them get started and could pay out a cash sum if they die within their 12 month policy term, to help financially protect their family. You can apply for Parent Free Life Cover if:

  • You're a parent aged 18 AND up to and including 45 years of age and have a child under five years of age.
  • You're named on your child's birth certificate, full adoption certificate, final residence order or special guardianship order.
  • You're a UK resident.
  • You haven't taken out life insurance with us within the last five years.
  • Parent Free Life Cover is only available if the person applying hasn’t already taken out a Parent Free Life Cover policy 

Please remember that this life cover is not a savings or investment product and has no cash value unless a valid claim is made.

The policy won't pay out if:

  • If your death is caused by suicide or, intentional and serious self-injury or an event where, on our reasonable opinion, you took your own life.
  • Your death is caused directly or indirectly from a condition that you've had in the 12 months before the start of the policy.

Before you apply, please make sure you read the Parent Free Life Cover Key Features and Policy Terms and Conditions PDF and the Statement of Demands and Needs, Firm and Agent Disclosures (PDF: 84KB) 

Questions and answers

Can I make changes to my cover?

No, you can’t make changes to your cover. However, if you need more cover you may be eligible to take out one of other life cover products depending on your needs. Find out more

What happens if I move abroad after the policy has started?

The policy is only available to UK residents, so if you move abroad during the length of your policy, your policy will end and will no longer provide any cover.

What if I want to cancel?

You can cancel your policy at any time.

Is the pay out taxed?

Any pay out that we make is free from UK Income Tax and Capital Gains Tax. The Government may change this tax position at any time. You may need to pay Inheritance Tax on life cover pay outs.