How it works

Get a quote

Our Guaranteed Lifelong Protection plan guarantees life cover to UK residents aged 50 to 80 years inclusive. It’s a life insurance plan that will pay a specific amount of money to your loved ones when you die.

Amount of cover

The amount of cover you can get depends on your age and the premiums you pay. There’s no medical, and we won’t ask any questions about your lifestyle. You can get a quote now.

How much does it cost

You can take out a plan for between £7 and £50 per month, which will need to be paid by Direct Debit. You will pay premiums for a maximum of 30 years, or until the policy anniversary after your 90th birthday, whichever happens first.

You can have more than one plan, but from 25 January 2010 the maximum monthly payment for all plans cannot be more than £100. Plans issued before 25 January 2010 are not taken into account when applying this limit.

The guaranteed cash payout

Unlike some similar plans, ours will pay out the full sum insured if you die after you have been making payments for just 12 months. And, if you die after 12 months due to an accident we will pay double the sum insured.

If you die within the first 12 months we will pay an amount equal to the premiums that have been paid unless death was caused by an accident, in which case we would pay the full sum insured.

The plan has no cash in value, so if you stop paying your premiums before the end of the payment term, your life cover will end 30 days after the date the last premium was due and you’ll get nothing back.

Depending on your circumstances, the cash sum paid out could be less than the total amount you’ve paid in premiums. The future value of your plan will be reduced by the effects of inflation.

Making a claim

Everything will be taken care of by our dedicated claims team, who’ll be on hand to help every claim go as smoothly as possible at what could be a very difficult time. Easy to contact, on 0800 015 1142.

All the details

It’s important to read all the details of this product and make sure it is right for you. You’ll find full details in the key features (PDF 96KB) and the Plan Conditions (PDF 72KB). If you have any doubts about choosing this product, please ask for more information from a financial adviser.

How to apply

If you’re over 50, then you can make your application today – it won’t take long, and you can be covered straight away.

Get a quote

Alternatively you can call us on 0808 159 3656.

Please note our call handlers will not be able to provide you with financial advice.

Lines are open Monday to Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-4pm. Calls may be recorded for our joint protection.

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