Customer support
Find answers to commonly asked questions, helpful links, tools and contact details.
Financial support when it matters
Discover more about flexible benefits, including the cover options available and the extra support we include.
Our insurance makes a one-off payment to your family if you die while covered, or to you if you’re diagnosed with a terminal illness and aren’t expected to live more than 12 months.
If you have a joint life plan, we’ll make a payment if one of you dies or becomes terminally ill. Your plan will end after we’ve made the payment.
We can cover individuals or couples:
You can choose how your policy works:
Level cover – the amount you pay and the amount of cover stay the same from the start to the end of your policy.
Increasing cover – you can increase your amount of cover each year to help protect it against inflation. Your payments will increase at a higher level than the cover because the cost of providing it gets more expensive with age.
Decreasing cover – your payments stay the same, but have a lower start point because the amount of cover goes down from the start to the end of your policy.
Our bereavement counsellors provide 24/7 emotional support to help you cope with the loss of any friends, family or loved ones. We’ll include up to four face-to-face or structured phone sessions per issue, every year. You can access this helpline the day your policy begins.
Our probate experts will help with issues relating to family disputes, validity of wills, power of attorney and obtaining probate.
For terminal illness claims, we’ll provide you and your family practical and emotional support over the phone – for as long as you need it.
If you’d like a second opinion on a diagnosis or treatment plan, you’ll get access to 20,000 UK consultants. This could help you understand your condition and make informed choices about your care options.
We’ll make an advance payment of up to £10,000 for funeral costs if there’s a delay in making the full claim payment.
Enjoy over 1000 savings and discounts with our rewards app – from discounted cinema tickets to family days out.
Our life insurance policies can be written under a discretionary split trust or a bare gift trust.
If you place your policy in a trust, your life insurance payment can go directly to your beneficiaries rather than to your legal estate. This means they won’t need to pay inheritance tax on it.
We recommend you speak to a professional adviser before placing your policy into trust.
Find answers to commonly asked questions, helpful links, tools and contact details.
Get a tailored quote for our products from a financial adviser. To find one, visit Unbiased.