Insurance
Our life cover
Life cover options
Life insurance
Leave a lump sum for your loved ones when you're gone, if you pass away within the policy term.
Critical illness cover
Get a lump sum payout if you're diagnosed with a critical illness, covered by the policy, within the policy term, so you can worry less about your finances and focus on your health.
Over 50 life insurance
Over 50 life insurance that lasts a life time and a lump sum payout – full cover is payable after a year and we won't ask any health questions. Explore our Over 50 Life Insurance.
Income protection insurance
Our income protection insurance provides a monthly payment which could help replace your income if you can't work because you're ill or injured.
Free Parent Life Cover
Get started protecting your growing family with an entire year of free life insurance, for parents of under-fours.
How our protection products compare
Life insurance *
* Available as level or decreasing cover
Medical underwriting required
Yes – we'll ask you to complete a health & lifestyle questionnaire. Based on on your answers we may write to your GP for further information or ask you to have a medical screening.
Guaranteed acceptance
No
Terminal illness
Yes
Protected against inflation
Optional
Joint policy option
Available
Cover amount
Lump sum up to £5m on death of the life covered
Term length
From 1 to 50 years or until you are 90 years old
Also known as
Mortgage protection, family protection, life assurance, life cover, term assurance.
Learn more about the differences
Over 50s Life Insurance
Medical underwriting required
No
Terminal illness cover
No
Guaranteed acceptance
Yes
Protected against inflation
No
Joint policy option
Not available
Cover amount
You can pay between £5 and £100 per month. Cover amount depends on your individual circumstances.
Term length
Whole of life
Also known as
50+, whole of life
Critical Illness cover
Medical underwriting required
Yes - we'll ask you to complete a health & lifestyle questionnaire. Based on on your answers we may write to your GP for further information or ask you to have a medical screening.
Terminal illness cover
No
Guaranteed acceptance
No
Protected against inflation
Optional
Joint policy option
Available
Cover amount
Lump sum up to £1m on diagnosis of specified critical illnesses
Term length
From 5 to 50 years
Also known as
Critical illness insurance, CIC
Income protection
Medical underwriting required
Yes – we'll ask you to complete a health & lifestyle questionnaire. Based on on your answers we may write to your GP for further information or ask you to have a medical screening.
Terminal illness cover
No
Guaranteed acceptance
No
Protected against inflation
No
Joint policy option
Not available
Cover amount
From £500 to £1,500 a month. Pays out a regular income when you're unable to work due to illness or injury
Term length
5-52 years, or until you're 71 years old
Also known as
IPI (Income Protection Insurance), Living costs protection
Meet Karen, one of our Direct Protection Sales experts
Her role, along with many others is to help you to protect what's most important to you.
We'll chat with you to help understand your needs and then guide you through the cover options we offer that could work for you. All helping you to make an informed decision.
It starts with a short, no obligation chat, and ends with you knowing your next steps.
Still need help? Give us a call
Monday to Friday: 8:00am 6:00pm
Saturday and Sunday Closed
For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free. Our opening hours may be different depending on which team you need to speak to.
View and manage your policies
Depending on the type of policy you have, you can look at your documents, update your personal details and view your cover – all in one place on the go.
New to life cover?
Our life insurance glossary explains some of the key terms.
Featured articles
What is term life insurance?
There are 3 different types of term life insurance.
What is income protection insurance?
Find out how income protection could support you financially if you’re unable to work because of injury or illness.
What is critical illness cover?
Critical illness cover pays out a lump sum to help cover costs should you fall ill. Find out how it could benefit you and your loved ones.
Term life insurance vs over 50 life insurance – which is right for me?
Over 50? Is life insurance or over 50 life insurance right for you? Here’s what to look out for.