FAQ's

Who can apply for life assurance?
You must be a UK resident and at least 18 years old at the time of applying.
What is life insurance and how does it work?
Life insurance helps to protect your loved ones financially in the event of your death. You choose the amount of cover you need and the length of time you want to be insured for. Your policy is designed to pay out your chosen amount of cover if you die during the length of the policy. It could be used to help pay the mortgage or help protect the family's lifestyle and everyday living expenses. Life insurance is also known as life assurance or level term assurance. Your premiums are guaranteed to stay the same unless you alter your policy.
How much will life assurance cost?
Life assurance premiums can cost as little as £5 per month. Your individual premium will depend on your own needs and circumstances.
Can I add Critical Illness Cover?
Yes, you can add Critical Illness Cover at an additional cost when you take out life insurance.
What's the difference between life insurance and Over 50s life insurance plans?
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. Life insurance is underwritten so during the application process we'll ask questions about your medical history, occupation and lifestyle. Over 50s Life Insurance is designed to cover you until you die no matter when death occurs, providing you have held the plan for more than one year. To apply, you must be aged 50-80 and a UK resident. Over 50s life insurance is not underwritten so you wont be asked any medical or health questions.
What's the difference between Terminal Illness Cover and Critical Illness Cover?
Terminal Illness Cover is included on our policies at no extra cost (minimum term of two years). It could pay out your chosen amount of cover if you're diagnosed with a terminal illness and have a life expectancy of 12 months or less, rather than on death. Providing financial support at a time when it could be needed the most. Critical Illness Cover is available when you buy your life insurance at an additional cost. It's designed to pay out your chosen amount of cover if you're diagnosed with one of our specified critical illnesses during the length of your policy.
Can I cancel my policy if I no longer need it?
Yes, you can cancel your policy.
Why do I need Income Protection?
Income Protection covers up to 70% of your pay if you are unable to work. Being ill, injured or unable to earn is less of a worry when you know your wages are protected. Income Protection is "The one protection policy every working adult should consider" says WHICH?, but make sure you get a good policy.
Tell me about Family Income Benefit
You probably bought cover to protect your house - how about everything that makes it a home? Most people buy mortgage protection - it's a type of cover that guarantees repayments on your house, but it won't go further to help those who live there.
Do both partners need cover?
Traditionally, only the main earner would take out a life insurance policy. This is because the financial impact of losing them would be the most significant. However, even if the partner earns less or especially if they are a stay at home parent, there could still be a significant financial impact. For example, the cost of childcare or domestic work. There are two ways to ensure both lives are covered. You can buy two separate policies or a joint life insurance policy. Both separate and joint policies have their own positives and negatives. Individual policies give a higher level of cover but are generally more expensive than joint policies as each personal is covered individually regardless of whether one partner passes. A joint life insurance policy is sometimes very nonchalantly called ‘first to die’, as the policy will only pay out a lump sum once, when…you guessed it…the first person dies. The ‘surviving’ partner would then be left without an insurance policy and would need to take out an individual policy themselves