Resources

Amount of Cover

This is the sum of money you would like to be paid out in the event of your death.

It's important to consider any ourstanding financial commitements, including your mortgage, along with maintaining your family's lifestyle and current or future needs of dependants, e.g. their education or ongoing care. If you are not sure of the amount you require, then click the calculator icon to see if our cover calculator can help.

Critical Illness Cover

A Critical Illness policy pays out a lump sum upon diagnosis of a critical illness that is specified in the policy.

There are two different types of Critical Illness Policy

Inclusive: This is where the amount of critical illness cover is the same as your life cover. If a claim is paid on the critical illness (or the life) cover during the policy term, the policy and its cover will immediately cease and no further claims for life or critical illness cover will be payable.

Stand-Alone: This is where you can specify an amount of critical illness cover which can be different from the amount of life cover you have selected. If a claim is made on the critical illness cover during the policy term the critical illness cover will cease. However, the life cover will remain in place in line with the chosen term of the policy. It will still be possible to make a further claim on the life cover.

Lengeth of Cover

The term of years is the number of years you wish the policy to run for. You pay your premium every month during the term, once the term finishes you are no longer protected.

When choosing your term you will need to consider the financial costs you wish to protect and how long it will be before those costs are no longer a burden to your loved ones.

Fixed or Decreasing Cover

Level Term : Provides an amount of cover which remains the same throughout the term of the policy.

Decreasing Term : Provides an amount of cover which decreases in line with the outstanding balance on a repayment mortgage.

Who will be covered ?

Policies can either cover one life (single life) or two lives (joint life). In the case of joint policies the policy will cease following a claim on either life.

Why do we need your email address?

We request your email address so we can email your quotes to you onces you have viewed them on screen.

Why do we need your phone number ?

To help you find the right policy, we've partnered with lifeSearch who offer free, no obligation advice. Providing your number is optional, but if you do provide it you'll be contacted by lifeSearch to discuss the cover that's right for you.

Smoker Status

If you have smoked or used any tobacco products in the last 12 months including cigarettes,cigars,pipers or nicotine relacement products you are classed as a smoker.