It is important that you answer all questions honestly and take reasonable care that your answers are accurate. Your answers will be used to decide if, and on what terms, your proposal is accepted.
×Level - The benefit amount will remain the same throughout the policy term. This policy is normally used to provide a lump sum for dependents, or to cover an interest only mortgage or loan. Decreasing - The benefit amount will decrease throughout the policy term. Many people use this option to cover a capital and interest repayment mortgage or loan where the amount you owe goes down year-on-year.
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This amount should protect your financial commitments - typically a mortgage, loan or high credit card balance. Also consider your family and loved ones and how much you would like to provide.
You can select the following amounts of cover based on your age:
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Most life insurance policies do not cover you indefinitely. When selecting the length of cover you may want to consider when your mortgage will be paid off, or when your dependents will be self-sufficient.
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You can choose to cover just yourself or add another person. Please note, that if you add another person the policy will only pay out once on the first death.
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We need your date of birth in order to provide you with an accurate quote. You must be over 18 and under 65.
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Have you used tobacco or nicotine products in the last 12 months?
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Smoking includes all tobacco and nicotine products such as cigars, chewing tobacco, pipes and nicotine replacement products such as e-cigarettes or "vapers".
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We need your date of birth in order to provide you with an accurate quote. You must be over 18 and under 65.
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Has the Joint Policyholder used tobacco or nicotine products in the last 12 months?
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Smoking includes all tobacco and nicotine products such as cigars, chewing tobacco, pipes and nicotine replacement products such as e-cigarettes or "vapers".
We are pleased to announce that from 1 November 2021 we will be offering Accident and Sickness cover to all new applicants for our Income Protection and Mortgage Protection policies. If you would like us to provide you with a quote please click here to provide your email address.
Unfortunately due to the Coronavirus outbreak, we are temporarily unable to offer Accident, Sickness and Unemployment insurance to new applicants. Please contact us for further information.