What is life/term insurance?
Life insurance helps you provide financial security for your loved ones if you die or become terminally ill during the course of the plan.
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Choose how long you want the plan to last.
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Choose the amount of life cover you need for your individual circumstances.
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We'll calculate your monthly premium for you, which will remain the same for the duration of the plan.
Who needs it?
If you have a family or partner who are financially dependent on you, or if you have a mortgage then life insurance could be for you.
How much is it?
Life cover can cost as little as £5 a month. Get a personalised life insurance quote now and see for yourself just how much our great value life insurance cover could cost you.
What if you've already got life insurance from another provider?
If you already have life cover, you might be able to save money by switching to a different provider.
Why take out a plan?
Life insurance offers guaranteed protection for those you leave behind if you die during the plan term. And that means peace of mind for you.
Everyday costs like food, heating and petrol mount up. You may want to make sure there's money available to pay for your children's education, family holidays or any outstanding loans (including a mortgage). Life insurance could address all these needs.
What else you should know?
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Life insurance is also known as Term Assurance.
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Life insurance can be level, increasing or decreasing (depending on the requirements) term life insurance plan. See our comparison section for more information on the different plans available.
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The plan has no cash-in value at any time.
How much cover do you need?
Contact us to help you find out the correct amount you would need, and take you through the process of obtaining a competitive premium.
What happens if you become terminally ill?
The cash sum will be paid out if you are diagnosed as suffering from a terminal illness and you aren’t likely to live more than 12 months. This only applies before the last 18 months of the plan term. If we do pay out after a claim for terminal illness, your plan will end.
Will you be covered for critical illness?
For an additional cost you can opt for extra cover in case you become critically ill. The plan will pay out a lump sum on diagnosis of a specified critical illness during the plan term.
What is Critical Illness Cover?
This means if you are diagnosed as having a specified critical illness during the plan term, you'll receive the lump sum you agreed at the start of the plan. This could help you and your loved ones during a potentially financially difficult time. The lump sum could be used to help pay for hospital care, alterations to the family home, or even a family holiday to aid your recovery.
The 'core' conditions are:
cancer
artery by-pass surgery
attack
kidney failure
organ transplant
multiple sclerosis
stroke
The 'additional' conditions are:
aorta graft surgery
benign brain tumour
blindness
coma
deafness
heart valve replacement or repair
loss of limbs
loss of speech
motor neurone disease
paralysis/paraplegia
Parkinson's disease
terminal illness
third degree burns
Insurance companies may not cover all these critical illnesses but if they do, the company will use our model definitions or alternatives that give more cover.
For more information please see ABI website as this explains in full the types of covers available.
We will be happy to arrange home visits to complete forms if you prefer the personal touch, even in the evening after you finish work.
Call us on 0208 529 0107
Or alternatively complete the form below.
