Speak to a friendly, expert Protection Adviser about your unique protection needs.
We'll search 1000s of products for the best products & prices. Then present our advice to you.
Your Adviser will then walk you through the application process, guiding you until your insurance cover is ready to be activated.
The simplest type - you decide the pay-out value and duration of the policy at the outset.
If you die within the term of the policy, your beneficiary/dependants will receive the pay-out as a fixed sum. The amount paid out stays the same regardless of when a claim is made.
Also known as mortgage life insurance, it’s designed to cover debts that decrease over time - like your mortgage.
The amount paid out by the policy reduces with time. If you were to die near the start of the policy term, your beneficiary / dependents would receive more than near the end, when there’s less mortgage to pay off.
This can be a cheaper life insurance option than level term, if your circumstances change, and you increase your borrowing, you might find the amount isn’t enough
Whether you take out critical illness cover with life insurance or on its own, this type of protection can help you financially if you’re diagnosed with a qualifying serious/critical illness during the term of your policy. It’ll help you financially if you’re unable to work, for example.
You’ll be insured for a fixed amount. It’s either paid out as a lump sum, so you can pay off any outstanding debts, or monthly payments.
Critical illness cover is usually sold alongside a life insurance policy, but you can buy it on its own if you like.
If you buy a critical illness policy alongside your life insurance through us, it’ll pay out while you’re alive if you become critically ill. If you don’t claim a pay out for a critical illness while you’re alive, it’ll pay out in the event of your death, alongside your life insurance policy.
