Prompt and personal life insurance for when you need it most.
It’s important you understand completely the life insurance policy you are considering before joining. We can help explain understand what the policy includes and excludes to ensure it meets your requirements.
Our life insurance can maintain your mortgage payments if you cannot work due to injury or illness. Knowing your biggest monthly bill is covered can help ease the financial pressure and stress of illness.
Unlike typical critical illness cover, we advise on cover that pays out for less severe conditions as well as critical ones. If you need to claim, you’ll receive a percentage of your cover depending on how severe your condition. If a condition gets caught early on, you’ll receive a portion to alleviate the stress, but will also have the rest of your cover should you need to claim again.
Benefit from our buying power as part of the largest independent intermediary. We can help you find cover that gives you the flexibility to choose the right hospitals, benefit limits and treatment options. Whether you are looking to keep costs low or extend your benefits for full peace of mind, our advisers can help.
To make a claim, please contact your individual insurer using the telephone number in your policy document.
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It depends on where you are in life. However, for many people, life insurance is an excellent way to protect the things that mean the most to you – such as making sure your family’s financial future is more secure if something unexpected happens to you.
Yes, you can choose a cover amount of between £10,000 and £100,000 for your children. If your child is diagnosed with one of the illnesses we cover, you will receive a cash lump sum. Children are added automatically when you take out serious illness cover for yourself.
Your premiums are based on a range of factors, such as your age, height and weight; your health; whether you’re employed in a high-risk occupation; and whether you smoke.
Yes. If your circumstances change you can increase your life insurance cover or buy extra policies. You can also choose to add indexation to your plan at no extra cost. Indexation protects you against rises in the cost of living, making sure you always keep the level of cover you need and increasing your cover each year without the need to go back through our application process. You can also choose to opt out of any future increases.
We have teamed up with VitalityLife to provide life cover advice. We are proud to work with the only insurer that rewards you for staying healthy, with deals and discounts from major brands like Virgin Active, British Airways and Apple, as well as cashback for being a non-smoker.
This promotion has been approved by Vitality Life Limited and does not constitute investment product advice. Investment product advice will be provided by Vitality Life Limited, a firm authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 675028. Registered address 70 Gracechurch Street, London, EC3V 0XL.