UK's number one Life Insurance provider*
How would your little monsters cope without you? Help protect them with Life Insurance from £6 a month.
Life Insurance is designed to help protect against the financial impact death could have on your family or loved ones.
*Based on new individual Life Insurance sales in 2017, Term & Health Watch report 2018, Swiss Re
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. If you'd like more help our life insurance calculator may be useful or speak to your financial adviser.
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.
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.
Please read the key documents below and Important Information before you apply.
You must be at least 18 years of age, currently living in the UK and have spent at least 183 days in the UK in the last tax year. Upper age limits apply. See the Policy Summary for full details.
Life insurance is designed to pay out a cash sum if you die during your chosen period of cover, which is a maximum of 50 years, but the policy must end before your 90th birthday. For Life Insurance we'll ask you questions about your medical history, occupation and lifestyle to assess your application.
Over 50s Life Insurance is designed for people aged 50 to 80 who want a fixed cash sum to give to their loved ones when they die. It's for people who want guaranteed acceptance with a simple application process and do not want to answer medical or lifestyle questions. To apply, you must be a UK resident.
There are other important factors that you need to be aware of on both types of plan, so please read all the information available.
It depends on your individual circumstances. You may want to think about leaving a lump sum to your dependants or help clear an outstanding mortgage on your death during the length of your policy. If you'd like more help our life insurance calculator may be useful or speak to your financial adviser if you have one.
In 2017 we helped 9,004 families by paying out 98.3% of life claims.
Voted Life Insurance Provider of the Year (Direct) at Moneyfacts Consumer Awards, 2017.
We had over 9.5 million customers in the UK for our life assurance, pensions, investments and general insurance plans, as at 30 June 2018.