Life insurance gives valuable protection and real peace of mind to you and your family. It’s easy to make an application, but there are a few things you’ll need to know.
Life insurance pays out a lump sum if you die during the term of the plan. Life and critical illness cover pays out a lump sum if you either die, or are diagnosed with a critical illness that meets our policy definition and then survive for at least 14 days. We only cover the critical illnesses we define in our policy and no others. Both types of plan will also pay out if you’re diagnosed with a terminal illness at any time during the plan term and are not expected to live more than 12 months. Both types of plan only pay out once. If we pay out after a critical illness or terminal illness claim, the plan will end. These plans have no cash in value.
You can choose from level cover with a payout amount that stays the same, or decreasing cover with a payout amount that reduces over time, typically to cover a repayment mortgage.
Are you ready to get a quote?
- I know what type of cover I need
- I know how much cover I need or how much I want to pay each month
- I know how long I want the cover to last
If you agree with these three statements, we can give you a quote in less than two minutes.
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- Which type of cover do I need?
- How much cover do I need, how much do I want to pay monthly?
- How long do I need the cover to last?
The team can also help — just call 0800 404 6424 This is an information only service. Calls are free from a BT landline but costs may vary from mobiles and other networks. Calls may be recorded and monitored for our joint protection.
Or we can give you a CALL BACK when it’s convenient.
If you're looking for a policy that includes flexibility options including separation and moving house options, it's important to know these are only available online for decreasing life insurance with critical illness cover.