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What is Asda Instant Life Cover?

Asda Instant Life Cover offers guaranteed acceptance to all customers in the UK between the ages of 17 and 50. It’s really quick and easy to set up – all we need to know is your date of birth, gender and whether you smoke and you can get cover straightaway, either online or over the phone. Asda Instant Life Cover is a simple life cover that pays out on death only.

What key features does the plan provide?

The plan pays out if you die before age 65 and your premiums are up to date. Because we offer the cover to everyone, there are some special conditions. These are covered in the Key Facts document which you should read before taking out the cover.

Why do I need Life insurance?

Life insurance provides financial support for your loved ones via a lump sum payment if you pass away. For example it could be used to pay off a mortgage or to provide for children’s education.

Who can apply for AILC?

Anyone who is resident in the UK and aged between 17 and 50 years of age.

When does cover start?

As soon as you buy the cover you will be covered straightaway.

What about inflation?

It’s important to remember that inflation in the future will reduce the buying power of the cash lump sum. You should bear this in mind when choosing your level of premium and hence cover.

How do I apply?

You can apply online or call us on 0800 030 4153. We’re open 8am to 8pm on weekdays and 10am to 4pm at weekends.

Can I talk this through with someone before I take out cover?

Yes - and we’ll be delighted to talk to you, just call us on 0800 030 4153 and we’ll answer any questions you may have about the cover. However please note that we can’t give you advice.

Where can I find more information about this life cover?

You can find the Key Facts document here. This includes the important information you need to know before you take out the cover.

What happens when I am 50? (do I have to take out over 50’s life cover?)

No. Asda Instant Life Cover covers you right up until your 65th birthday as long as your premiums are up to date.

Should I tell my loved ones that I have taken out Life insurance?

Yes. You should let them know where your Cover Details and Cover Summary are kept. All the important contact information is included in these should they ever need to make a claim. 

Can anything stop my loved ones getting the cash lump sum?

Because we offer the cover to everyone, there are some special conditions. These are covered in the Key Facts document which you should read before taking out the cover. You also have to keep your monthly premiums up to date otherwise the cover will lapse and you will no longer be covered.

Does this policy protect me from unemployment or illness that prevents me from working?

No. The plan only pays out if you die. It doesn’t pay out for any other reason.

Will my monthly premiums ever increase?

No. As long as UK tax laws and any other regulations stay the same we guarantee that your monthly premium will stay the same.

Do I need a medical?

Not at all. You only have to tell us your gender, date of birth and whether you have smoked in the last 12 months and we can cover you straightaway.

Will I get to keep any of the money that I have already paid in?

No. The plan only pays out if you die. It doesn’t pay out for any other reason.

What happens if I miss a payment?

If you miss a payment you have 2 months to bring your premiums up to date. After that the cover will be cancelled and you won’t be covered any more.

How would my loved ones make a claim?

Your loved ones can claim by calling us on 0800 169 1723, e-mailing us at asda@ageasprotect.co.uk or by writing to us at Claims Team, Ageas Protect Limited, PO Box 205, Abbey View, 4 Penfold Drive, Wymondham NR18 8AH. All these contact details are also on the back page of the Key Facts document and in the Cover Details. All the details you need are included in the welcome pack you will receive when you take out the cover.

Can I pay by cheque?

No. Payment is by direct debit only.

Can the cover be written in trust?

We can’t organise for the cover to be written in trust for you but you can ask a lawyer to advise you about this. There is more information about setting up a trust here

Can I take out a policy jointly with my wife or partner?

You can’t take out a joint policy,but your partner can also take out a policy of their own.

Why does the level of cover differ between men and women?

This is because men and women have different life expectancies and tend to die from different things at different ages - so the cost of the cover is calculated to reflect this.

Can I make annual payments instead of monthly?

No. You can only pay by monthly direct debit.

Does my plan have a cash value at all?

No. The plan only pays out if you die. It doesn’t pay out for any other reason.

What happens if my personal details change (name, address etc)?

You should let us know about these changes so that our records are up to date by calling us on 0800 169 1723 or emailing us at asda@ageasprotect.co.uk. All the contact details are on the back page of the Key Facts document and in the Cover Details. These are also included in the welcome pack you will receive when you take out the cover.

What happens if I die a few days after taking the policy out?

As long as it’s not covered by one of the exclusions which are explained in the Key Facts document then the cover will pay out. There’s no qualification period.

How long does my cover last?

You’ll be covered right up to your 65th birthday as long as you keep paying your monthly premium.

Can I increase/decrease my premium/cover at a later date?

You can’t increase or reduce the premium on this cover, but you can ‘top-up’ by taking out additional cover up to the maximum monthly payment of £15 a month.

Are there any policy exclusions?

Yes. If you have had some specified serious medical conditions and then die from the same condition, the cover won’t pay out.

The specified conditions are;

  • a heart condition
  • cancer
  • HIV or AIDS
  • a stroke or a terminal illness

In addition

  • If you have diabetes when you take out the policy, the cover won’t pay out if you die from a heart attack or a stroke.
  • If you’re a member of HM armed forces when you take this cover out the cover won’t pay out if you die within 6 months from injuries sustained while on an operational tour of duty outside the UK.
  • The cover also won’t pay out if you commit suicide in the first 12 months after taking the cover out.

Finally, if you have a history of alcohol or drug abuse the cover is not suitable for you at all because it will not pay out under any circumstances. The full details of the cover and the exclusions are explained in the Key Facts Document. If you take out the cover, you should read the Welcome pack carefully to check that the cover is right for you. And if you decide that it isn’t right for you, don’t worry - you can cancel it free of charge within 30 days of receiving your welcome pack.

Can I cancel my plan at any time?

Yes, but you will only get your premium back if you cancel within 30 days of purchasing your cover.

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