The lump sum payment and premium stay the same for the length of the policy (term).
The amount of cover reduces over the length of the policy. Suitable for repayment mortgage.
This policy will pay out a lump sum if you die within a set period of time. The lump sum won't change over time.
This policy is suitable to cover a debt that will gradually reduce over time (i.e. repayment mortgage). The pay-out will reduce over time and therefore the premiums are lower compared to Level Term.
As well as life and critical illness cover, we also offer a range of other protection products including Income Protection, Family Income Benefit and more...
A joint policy will pay out on the death of the first person (but then not the death of the second). We will provide you with quotes for a joint policy and two single policies (where each policy will pay out on death) as there is often little difference in premiums.
This will depend on your circumstances. Some people wish to cover debts such as a mortgage and/or provide financial protection for your family.
If you're unsure about how much cover you need please call one of our advisers on 0800 334 5980
This will depend on what you want cover for. The length of your mortgage, until your children are 18 or finished university?
If you're not sure please speak to one of our advisers on 0800 334 5980
This includes cigarettes, cigars, a pipe or other tobacco products; including nicotine replacements and e-cigarettes.