Before you cancel
If you’re thinking about leaving us, we want to help you consider your options and answer some of the most frequently asked questions we get around cancellation.
And if you still want to leave us after this, we’ll make it as hassle-free as we can.
I’ve paid off my mortgage. Do I still need insurance?
Things are a bit tight financially at the moment. I’m thinking of cancelling
I’ve got a joint life policy, but I’m now divorced/separated – what should I do?
Something’s changed in my life. Do I need to cancel my policy and take out a new one?
I don’t think I need this insurance anymore – I get cover through work
And if you’d still like to cancel…
Still want to leave us? We’ll be sad to see you go, but we’ll make it as hassle free as possible. All you have to do is fill out our online form letting us know you want to cancel, and we’ll get the ball rolling.
If you change your mind and want to keep your cover, that’s fine too. As long as you let us know within 30 days, we should be able to restore it in most instances. We won’t charge you anything to do this, as long as you pay any outstanding premiums, and nothing’s happened during that time that you could have made a claim for.
Take a look at our latest news and guides.
Understanding life insurance
Explore our different types of cover.
Within a few years of taking out critical illness cover, Linda received some bad news, completely out of the blue. Fortunately we could help her during this difficult time.
What's the difference between life insurance and life assurance?
Life insurance and life assurance are terms that are often used interchangeably – but is there a difference?
Self-employed income protection: the facts
When you’re self-employed or a contractor, you get the sweet perk of being your own boss, but you wave goodbye to traditional employee benefits like company sick pay.
Do you need a medical to get life insurance?
If you’re avoiding taking out life insurance because you think the application will involve a medical, you might be surprised to hear it’s not always needed.
Life insurance and income protection insurance – what’s the difference?
These two types of insurance provide cover for quite different circumstances.
Paying out when you need it
In 2021 we paid out over £1bn in protection claims to help over 50,000 people and their families.
Different types of life insurance for your family
Explore the different types of life insurance for your family
6 myths about life insurance
If you're thinking of getting life insurance, you might have come across a few common misconceptions while doing your research.
What’s the difference between health insurance and life insurance?
Life insurance and health insurance often get mixed up, but they’re not the same thing. Find out about the differences between life and health insurance here.
Life insurance and smoking
If you’re a smoker, many insurance companies will still give you life insurance, but you may find it costs you more.
What happens to a life insurance policy when someone dies?
If a loved one dies, and you’re not sure if they had a life insurance policy, or how to make a claim if they did, find out some of the steps you can take here.
Life insurance for young people
Life insurance protects your loved ones if you pass away during the policy term, no matter your age. Find out how life insurance can benefit young adults here.
What is mortgage protection life insurance?
Mortgage protection insurance is a type of term life insurance. Find out more about how mortgage protection insurance works, and how it can help you here.
Over 50 life insurance: premiums and paying out
Over 50 life insurance is a way to leave behind a lump sum for your loved ones when you die. Here’s how it works when it comes to paying your premiums and getting a payout.
Codicil confusion: explaining the meaning
Make minor changes to your will with a codicil.