Life Insurance

Things you need to know

• How much does it cost?

  This depends on the level of cover you need and your personal circumstances, such as your age and general health. Life insurance is affordable, with cover starting from just £5 a month.

• How long does the cover last?

  We can cover you for up to 40 years, but you can choose the length of cover that works for your family. For example, you might want the cover to last until your mortgage is paid off, or until your children are financially independent. 

• How much cover do I need?

  Your level of cover will depend on your home life. You might need to think about your mortgage repayments or rent and day-to living expenses. Or you might want to consider any future expenses for children and dependents if you have any.

• How do I apply?

  You’ll need to find an adviser who will apply on your behalf. To find one, visit Unbiased

• What information do you need for a quote?

  Once you’ve found an adviser, they’ll need to tell us the following about you:

  • Age
  • Height
  • Weight
  • General health
  • Your family’s medical history
  • Any existing health conditions

   

  We won’t ask you to go to your doctors for a medical report or check-up.

• What if my circumstances change?

  You can increase your level of cover following one or more of these life events:

  • Getting married or entering into a civil partnership
  • The birth or adoption of a child
  • Increasing your mortgage
  • If your salary increases by 10% or more

   

  This means you can continue to protect the people and things that matter to you.