Coverage details

What our life insurance covers?

  • Lump-sum payment

You can choose up to £5 million in coverage, and we'll pay the full amount if your claim is successful.

Protection in the event of death

If you pass away during the policy term, we will pay a lump sum, it's as straightforward as that.

  • House purchase cover

If you're purchasing a new house and taking out insurance, we offer up to 90 days of free life coverage. The coverage starts after we approve your application and you've exchanged contracts or completed missives, provided that you have given us a future start date that coincides with the completion of your house purchase. Please refer to the policy conditions for complete details and terms.

  • Terminal illness

If you're diagnosed with a terminal illness that satisfies our definition and you're not expected to live longer than 12 months, you can receive an early pay-out of your lump sum. After payment is made, your policy will terminate, and no further claims will be paid.

  • Length of cover

You have the option to select the duration of your coverage, ranging from a short period to up to 50 years, or until you reach the age of 90.

  • A separation benefit

In case of separation from your partner, we offer the option to divide your joint policy into separate policies.

What’s not covered?

  • We won't provide coverage if you stop paying your premiums.
  • You can't cash in your policy at any point as it has no cash value.
  • If you pass away outside of the policy term, we won't pay out. It's up to you to decide how long the policy lasts.
  • During the first year of the policy, we won't cover you if you die due to suicide or intentional, self-inflicted injury.
  • If there are any changes in your health, lifestyle, or occupation, and you fail to inform us about them before the policy starts, we won't provide coverage.