Life & Critical Illness Cover

If you decide to take out life insurance under a joint or single name, you can choose the amount of coverage you need, the length of the policy and the type of coverage you need. Contact our team of financial advisers for more information.

• Depending on your circumstances, premiums start at just £5 a month
• You could use your cash sum to pay your mortgage or to cover everyday living expenses
• Protecting your loved ones financially with life insurance gives you peace of mind
• When you take out your policy, you can add Critical Illness Cover for an additional cost

• The policy will cover you if you die or are diagnosed with a terminal illness (with a life expectancy of less than 12 months) during its term.
• It’s up to you how much cover you need and how long you need it.
• The premiums are guaranteed and will not change unless you change the policy.
• Free Life Coverage and Accidental Death Benefit are included at no additional cost. There are terms and conditions. 
• If you take out a life insurance policy, you can add Critical Illness Cover at an additional cost.

• Unless a valid claim is made, this is not a savings or investment product.
• Your plan will be cancelled if you fail to pay your premiums.
• During the first year of the policy, suicide, intentional and serious self-injury, or an event where, in our reasonable opinion, you took your own life will not be covered.
• If your terminal illness does not meet the provider’s definition, you won’t be covered. For more information, please refer to the Policy Booklet PDF.
• If your life insurance policy covers your mortgage, you may not be able to completely pay off your outstanding mortgage unless your coverage is adjusted to match any new mortgage arrangements.

In the event of the death of a key employee, a business may be unable to repay loans.

In order to plan for your business’s financial future, you may want to consider Business Loan Protection.

Many people who apply can get coverage for their needs, just make sure you answer all the questions honestly. If you meet the following criteria, you may apply:

• You must be at least 18 years old
• Living in the UK and spending at least 183 days there in the last tax year.

If you become critically ill, Critical Illness Cover can help minimise the financial impact on you and your family. If you take out Life Insurance or Decreasing Life Insurance, you can add this option for an additional cost.

A Critical Illness Cover can be added to Life Insurance or Decreasing Life Insurance for an additional fee. If you survive for 14 days after being diagnosed with or undergoing a medical procedure for one of the specified critical illnesses that we cover, you could receive a cash payout.

• Should you be forced to take time off work for recovery, you can use the cash sum to cover child care costs and household bills.

Anyone can be affected by a critical illness at any age. Having a back-up plan in place can ease some of the financial stress of being unable to work due to critical illness. The loss of income may be supplemented by savings for some, by an employment benefit package for others, and by Critical Illness Cover for others.