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. There's no cash-in value.
Over 50 life insurance
Leave some money behind for your loved ones when your gone. There's no cash-in value.
Critical illness cover
Get a lump sum payout if you're diagnosed with or undergo surgery for a critical illness, covered by the policy, within the policy term, so you can worry less about your finances and focus on your health. There is no cash-in value.
Income protection insurance
Our income protection insurance provides a monthly payment to replace some of your lost income if you can't work because you're ill or injured. There is no cash-in value.
Free Parent Life Cover
Get started protecting your family with £15,000 of free life cover available to all parents for each of their children under the age of 4, for one year.
How our protection products compare
Life Insurance Plan
Our Life Insurance Plan pays out a lump sum to help your loved ones manage financially, if you die within the policy term. There is no cash-in value at any time.
Life insurance could help give your family financial protection if you pass away during the time you have your policy. It gives you essential cover that allows you to leave behind an amount of money to help those you love maintain their living standards and keep paying the bills.
Cover type
Available as level or decreasing cover.
Cover amount
This policy pays out a lump sum of up to £5m on death of the life covered.
How long will the policy last?
From short-term to 50 years or until you are 90 years old.
Is the policy available for two people?
Yes. If you and your partner would like combined cover, you can take out a joint policy.
This pays out once and won’t provide cover for the second person after the first person passes away.
Is Terminal illness covered?
Yes. If you’re diagnosed with an incurable illness and have a life expectancy of 12 months or less, you can receive an early payout of your policy’s death benefit. This money could help you manage your affairs or provide financial support during this time.
This benefit is different from critical illness cover. Once payment is made, your policy will end, and no further claims will be paid.
Is this policy protected against inflation?
Optional with level cover.
Do I need to answer any medical questions?
Yes – we'll ask you to complete a health and lifestyle questionnaire. In some cases, it's possible we may write to your GP for further information or ask you to have a medical screening.
Also known as
Mortgage protection, family protection, life assurance, life cover, term assurance.
Learn more about the differences
Over 50s Life Insurance
Our Over 50s Life Insurance Plan pays out a lump sum when you die. There is no cash-in value at any time.
Often called 'guaranteed whole of life' cover, Over 50's Life Insurance protects you for as long as you live, not just for a set amount of time. It could help towards your funeral costs or simply enable you to leave money behind for your loved ones when you're no longer around.
Cover type
Available as level cover.
Cover amount
You could pay between £5 and £100 per month. The cover amount depends on your individual circumstances and you could actually pay in more than is paid out.
How long will the policy last?
Whole of life.
Is the policy available for two people?
No.
Is Terminal illness covered?
No.
Is this policy protected against inflation?
No. You could pay in more than is paid out.
Do I need to answer any medical questions?
No. With this policy, if you die within the first 12 months, and it isn't an accidental death, we won't pay out the cover amount. We'll instead pay a sum that's equal to the premiums that have already been paid.
Also known as
50+, Whole of life.
Critical Illness Plan
Our Critical Illness Plan pays out a lump sum if you or your child are diagnosed with or have surgery for one of our 52 critical illnesses within the policy term. There is no cash-in value at any time.
Critical illness is an insurance policy that can help to provide financial protection if you’re diagnosed with a critical illness. From feeding your family to balancing your bills, critical illness cover could provide the financial help and breathing space needed during this difficult time.
Cover type
Available as level or decreasing cover.
Cover amount
This policy pays out a lump sum of up to £1m on diagnosis of specified critical illnesses.
How long will the policy last?
From 5 to 50 years.
Is the policy available for two people?
Yes. If you and your partner would like combined cover, you can take out a joint policy. With this policy, if one person passes away, the other policyholder will still be covered.
Is Terminal illness covered?
Yes. If you’re diagnosed with one of 52 conditions and have a life expectancy of 12 months or less, you can receive an early payout of your policy’s death benefit. This money could help you manage your affairs or provide financial support during this time.
This benefit is different from life insurance cover. Once payment is made, your policy will end, and no further claims will be paid.
Is this policy protected against inflation?
Optional with level cover.
Do I need to answer any medical questions?
Yes - we'll ask you to complete a health and lifestyle questionnaire. In some cases, it's possible we may write to your GP for further information or ask you to have a medical screening.
Also known as
Critical illness insurance, CIC
Income protection plan
Income protection provides a monthly payment to replace a proportion of your lost income if you're unable to work due to illness or injury. There's no cash-in value at any time.
Our income protection plan is called Living Costs Protection. Its regular payouts could help support you through turbulent times, so you can focus on getting better and back to work.
Cover type
Available as level cover.
Cover amount
You could pay from £500 to £1,500 per month. This policy pays out a regular income when you're unable to work due to illness or injury.
How long will the policy last?
5-52 years, or until you're 71 years old.
Is the policy available for two people?
No.
Is Terminal illness covered?
No.
Is this policy protected against inflation?
No.
Do I need to answer any medical questions?
Yes – we'll ask you to complete a health & lifestyle questionnaire. In some cases, it's possible we may write to your GP for further information or ask you to have a medical screening.
Also known as
IPI (Income Protection Insurance), Living costs protection
Meet Rachel, 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
0800 015 9864
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.
Protection articles and guides
What is term life insurance?
There are typically three types of cover available on term life insurance: decreasing cover, level cover, and increasing cover.
What is income protection insurance?
Explore the ins and outs to understand how it could help you
What is critical illness cover?
A guide to understanding critical illness insurance
Term life insurance vs over 50 life insurance – which is right for me?
Explore your options so you can help protect the people you care about most