Life Cover

  • Cushion the Blow with a Cash Lump Sum
  • Give Your Family Complete Peace of Mind
  • Cover the Bills
  • Clear the Mortgage
  • Secure the Future for Those You Love

Want to Do It Yourself

Want To Do It Yourself?

Our Free, 4-part infographic series guides you through the process of getting the right cover, for the right term, at the right price. Put your best email in the box below and get Part 1 straight to your inbox today.

Your Questions Answered

Confused about cover? Discover the answers to some commonly asked questions

What is Life Insurance?

What is Life Insurance?

The most common form of protection, ordinary term life cover pays a lump sum to your family if you die within a certain time-frame. Most policies will also pay-out if you’re diagnosed with a terminal illness and have less than twelve months to live (it’s important not to confuse this benefit with Critical Illness Cover, which is a separate type of insurance cover).

Policies are usually set to run for twenty or twenty-five years, although the actual term you choose will vary based on your circumstances.

When deciding how long you want your life cover to run for, you’ll need to think about a couple of things:

  • How old will your children be when they stop relying on your income?
  • When do you and your spouse plan to retire and draw a private pension (if you have one)?

There’s no one-size-fits-all answer for how long term life insurance should last, so it’s best to seek advice before you buy a policy.

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Latest News

Advisers say family protection is important
According to warnings from advisers, it is possible for families to be at risk if proper income protection is not provided.

8% fewer intermediaries selling life and CI cover
IFAs believe there is a growing threat of people not having life insurance and critical illness cover because fewer intermediaries are selling it.

More IFAs stop selling life insurance and critical illness cover
Nearly three quarters of IFAS believe there is a growing threat of people failing to have enough life insurance and critical illness cover because fewer intermediaries are selling it.