Just call 0800 975 1208^† or click here to get a quote online.

There are two types of cover available. Life insurance, which is designed to pay you a cash lump sum and mortgage life insurance, which is designed to pay off your mortgage.
We'll help you decide which type of life cover is right for you when we talk to you about your family's particular circumstances.

A cash lump sum is paid out if you die or if you're diagnosed with a terminal illness (that's expected to cause death within 12 months and before your cover ends) while you’re covered.

Yes. You can set up two single life policies, or a joint policy which pays a cash lump sum should one partner die or be diagnosed with a terminal illness.

That all depends on the amount of cover you want and the number of years you want it over. Your age, gender and state of health will also make a difference.

We'll discuss all your options with you, and then find the lowest price we can.

Your cover will stop when you reach the end of the term you selected at the outset or when we pay out the cash lump sum or monthly income, if you choose this option - whichever happens first.

We’ll give you back any money you’ve paid if you cancel your cover within 30 days of receiving your policy documents and cancellation notice. If you stop your cover after this you won’t get any money back.

Yes. We may not pay out if:

• The information you give us in your application isn’t true and complete;
• We don’t receive proof about the events that result in the claim;
• We don’t have your authorisation to get medical information about you.

We may not pay out the cash sum for a terminal illness claim if:

• You’re expected to live for more than 12 months;
• You don’t tell us about the illness until within 18 months of the end of your cover;
• You’re not resident in the UK or another country specified in the policy provisions;

If you’d like to look after the people you care about most after you’ve gone, then you should consider life insurance. Also, if your family relies on your income, you may want to consider other insurance options, such as Critical Illness Cover and Income Protection Cover as a way to make things easier if you’re unable to earn a living.

We can explain your options and recommend the right answer for you and your family when we speak to you.

That’s different for everyone. We usually suggest you’ve covered your mortgage and any other debts. You’ll then need to take into account any existing life cover you have (from your employer, for example). As a guide, we suggest you take out around £150,000 for every dependant (your partner and each child). You should also think about increasing your cover if there’s a change in your circumstances, such as moving to a more expensive home or having another child.

Because people who have an existing medical condition or 'medical history' are considered a greater risk, you may find your premiums are higher, and some restrictions on cover may be imposed. So it's really important to talk to one of our advisors, so we can find the right insurance company and policy for your particular circumstances.

Yes. People in certain occupations and who have certain 'high risk' hobbies may be considered a greater risk and so this may affect premiums and some restrictions on cover may be imposed.

'High risk' occupations include working at heights, within the oil and gas industry (particularly working offshore), the Armed Forces, Pilots and Fishermen.

High risk hobbies include racing, hang gliding, mountaineering and diving.

We'll be happy to advise you of course, and make sure we find the right policy and insurance company to arrange the cover at the best possible price.

We search the market on your behalf, saving you a lot of time and effort. We also use our expertise and experience to find you the best value life insurance cover possible. What's more, our advice is free and we never use jargon.

Typically, your cover will last for a fixed term either in line with the term of your mortgage or until all your children are financially independent. Your advisor will be able to make a recommendation based on your circumstances and discuss the options available to you. Alternatively, call us now on 0800 975 1208†

Income Protection Cover is not a widely known product, yet it should be top of most people's protection buying list. It replaces your income in the event that you cannot work due to illness or disability, potentially until you retire, which will take care not only of debts like a mortgage, but also enable you to maintain your standard of living. Unemployment Cover can also be added.

It's recommended you take out around 65% of your income after tax. If you take more, then legally the Inland Revenue may not allow you to claim it.

It's always preferable to take advice. Make sure it's an advisor who is independent and can search the whole of the market. They can advise you on a range of different areas, like which policies are best and how much cover you should take, as well as find the best value for money policies too. Always shop around and make sure you speak to at least one independent financial advisor.

The more cover you take out and the term length you take it out for will determine how much you pay. This is why it's important to speak to an advisor if you're unsure about how much cover you need. They'll make sure you're not over-insured, helping you save money in the long run.

The younger and healthier you are the cheaper premiums will be, so the sooner you take out cover the better off you should be. Non-smokers also pay less than smokers so giving up smoking is a good idea for financial reasons, as well as health reasons.

Critical Illness Cover will pay out a lump sum in the event that you're diagnosed with one of a number of serious illnesses of a specified severity, the most common being heart attack, cancer and stroke. The type and number of illnesses vary from insurer to insurer. This cover is very important in helping to pay for care and rehabilitation while you're sick, as well as supplementing or replacing income you might lose, helping to support you and any dependants you may have.

Think about what would happen to your salary if you were unable to work. Do you have debts and dependents that you need to find a way to provide for when you cannot work and, if so, how much would that be? Does your sick pay run for months, weeks or less? If you have extra work-related benefits you may not need to be insured for as much on your Critical Illness policy. These are all questions you need to answer to help you decide how much cover you need.

It's always preferable to take advice. Make sure it's an advisor who is independent and can search the whole of the market. They can advise you on a range of different areas, like which policies are best and how much cover you should take, as well as find the best value for money policies too. Always shop around and make sure you speak to at least one independent financial advisor.

The more cover you take out and the term length you take it out for will determine how much you pay. This is why it's important to speak to an advisor if you're unsure about how much cover you need. They will make sure you're not over-insured, helping you to save money in the long run.

The younger and healthier you are the cheaper premiums will be, so the sooner you take out cover the better off you should be. Non-smokers also pay less than smokers so giving up smoking is a good idea for financial reasons as well as health reasons.