Frequently Asked Questions

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You asked: I have a joint Life Insurance plan with my partner. Will the cover continue for him or her, if you pay out on a critical illness claim for me?

It depends on what type of life insurance cover you have.

If you have independent critical illness cover on a Mortgage Life Insurance plan, your life cover will continue for both of you so long as you keep paying your premiums. If your partner also has critical illness cover this will continue as well (again subject to premiums being maintained).

If you have integrated critical illness cover on a Mortgage Life Insurance or Term Assurance plan then your life cover will end for both of you as soon as we've agreed to pay your claim (unless we pay out for Children’s Benefit or additional critical illness cover in which case your cover will continue).

If you’re unsure what sort of cover you have, please call us on 0800 015 1142 (between Monday to Friday, 8.30am - 5.30pm) or check your plan documents.

If your policy was previously Friends Life, then this information may not apply. For further information please refer to your policy documents or contact us.

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