Cover to protect your family’s finances
Half of our customers pay £15 a month or less for our Life Insurance Plan, which could help your loved ones cope financially if you pass away 1.
Lump sum payment
Up to £5million of cover to help protect the things that are important in your life
Flexible length of cover
Choose how long you’d like your cover to last, anywhere from 1 to 50 years
Cover choice
Cover that goes up to protect against inflation or an amount that goes down over time
We have a range of other products to help you plan for the future, such as Critical Illness cover, a guaranteed lifelong protection plan if you're over 50 and 12 months’ free life cover for parents of children under 4 years old.
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Life Insurance simply explained
For lots of us, life insurance is an important way of helping protect the people we love – so they can maintain their lifestyle should you no longer be around.
So when looking to buy life insurance, just ask yourself 3 simple questions.
What do I need to protect?
You may have a spouse or children, and a mortgage or other outstanding loans – or even a combination of all of these. There are different types of life insurance depending upon your needs – so it’s important you get all the facts before you get a quote.
How much cover do I need?
If you have a mortgage, how much is outstanding? And how much would your family need to maintain their lifestyle without you there to provide for them?
Take into account your income and outgoings, such as your mortgage payments and utility bills. Think about childcare costs and perhaps the odd holiday. Also what your family might want in the future, possibly university fees or even a deposit for a first home. The amount of cover you need is up to you, but you’ll be surprised how it all adds up.
How long do I need life cover for?
Think about how long’s left on your mortgage, how long your children will be financially dependent on you, and how old your partner will be when they’re likely to retire. This will help you decide how long you want your life cover to last.
That’s it!
What our Life Insurance offers
With our Life Insurance Plan, you choose the amount of cover you need based on your lifestyle, circumstances and what you want to protect.
What's covered
- Lump sum payment
You can choose up to £5million worth of cover – and we'll pay the full amount to your loved ones after a successful claim
- Protection if you die
We'll pay a lump sum if you pass away during the policy term – simple as that
- House purchase cover
You'll get free cover for 90 days if you're in the process of buying a house when you take out your policy - Terminal illness
Receive your lump sum payment early if you're diagnosed with a terminal illness that meets our definition and you're not expected to live longer than 12 months. Once payment is made your policy will end and no further claims will be paid
- Flexible length of cover
You can choose the length of cover you need – from short-term to 50 years, or until you're 90 years old
- A separation benefit
If you separate from your partner, we can split your joint policy into single policies
What's not covered
Unfortunately, we can't cover all circumstances, including:
- Not paying your premiums
If your payments stop, so does your cover and the policy has no cash-in value at any time
- Death outside the policy term
You choose how long your policy lasts. Once it's finished, then your cover will stop and we won't pay out if you die - Suicide and self-inflicted injuries in the first year
You won't be covered if you die in the first 12 months of the policy as a result of suicide or intentional, self-inflicted injury
Policy documents for Life Insurance
See a full list of what's covered in our policy wording.
Are you eligible for Life Insurance?
To apply for cover, you'll need to be:
- A permanent resident of the UK (this doesn’t include the Channel Islands, the Isle of Man or Gibraltar)
- Aged between 18 and 89 (but you'll be covered until you're 90 years old)
How much cover will you need?
Life turns out a little differently for everyone – so the amount of cover you need depends on your personal circumstances.
Our cover calculator
Try out our calculator to work out how much protection you might need for the things you love most.

How life cover works over time
You can choose between 2 different types of cover – increasing or decreasing – depending on what you want to protect and how much you're happy to pay each month.
Cover and premiums that increase over time
With increasing cover, the amount of cover and the amount you pay can go up each year. This means the policy holds its value to protect against inflation.
This could be a good option if you’re looking to:
- Cover your salary
- Maintain your loved ones’ living standards
- Help with health and living costs if you become terminally ill
- Pay your children’s school or university fees
- Continue to make mortgage payments
The maximum annual increase is 15% to your premium and 10% to your cover amount 2.
If you don’t want your cover and premiums to go up, you can choose to maintain the same amount of cover and the amount you pay each year.

Cover that decreases over time
With decreasing cover, the value of your cover goes down each month (broadly in line with a repayment loan using a fixed interest rate), but what you pay stays exactly the same for the duration.
The cover amount will eventually finish at £0, just like any debts that you want to pay off – so you won't leave your family with debts if you pass away.
This could be a good option if you’re looking to:
- Pay off your mortgage
- Cover any debts or loans that you repay monthly
Your premiums are guaranteed unless you make a change to your policy.

Ready to get cover?
Get Life Insurance on its own or add Critical Illness cover when you apply. You’ll get separate policies, so if you claim on your Critical Illness policy, your Life Insurance policy won’t be affected.
How our Life Insurance helps
Everyone’s circumstances are different, but most people start to think about life cover to help protect their partner or family financially.

Protecting your home and mortgage
Sarah took out life insurance to cover her mortgage when she moved into her first house. She chose our Life Insurance Plan with £300,000 of cover for 25 years to match what she’d borrowed. With our decreasing cover, the amount went down every year – just like her mortgage – and the monthly premium stayed the same .
Thinking about your child's future
When John had a second child, he wanted to make sure his life insurance would cover the new addition to his family. He worked out that he needed to add £150,000 to his policy, so things like childcare and university fees would be covered if he died. Plus, with our increasing cover, the cover amount went up each year .

Looking for more cover?
We have a range of options to help you protect your family's future. There is no cash-in value at any time.
Critical Illness cover
Our Critical Illness Plan pays out a lump sum if you or your child are diagnosed with or have surgery for 1 of the 54 critical illnesses covered by our plan.
Age: 18-64
Cover: Up to £1,000,000
Payment: If you become critically ill and live for 10 days after diagnosis
Over 50s Life Insurance
Affordable over 50s cover that lasts a lifetime.
Age: 50-80
Cover: £404 to £20,077 (subject to age and premium)
Payment: When you pass away
Free Parent Life Cover
A year’s worth of life cover for parents of children under 4. Absolutely free.
Age: 18-66 with a child under 4
Cover: £15,000
Payment: If you pass away
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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.
Learn about this cover
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Contact us
Still need help? Give us a call.
0800 068 5549
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Saturday: 09:00 17:00
Sunday: 10:00 16:00