We've got you covered
- We paid out more than £1.1 billion across our protection products in 2023
- We’ve been protecting people like you for more than 325 years
- Money Marketing’s Best Protection Provider in 2023
Life cover options
Over 50 life insurance
Purchase over 50 life insurance by 29 November and receive a £120 gift card after your 6th monthly payment. T&Cs apply.
Life insurance
Leave a lump sum for your loved ones when you're gone, if you pass away within the policy term
Critical illness cover
Get a lump sum payout if you're diagnosed with a critical illness, covered by the policy, within the policy term, so you can worry less about your finances and focus on your health.
Income protection insurance
Our income protection insurance provides a monthly payment which could help replace your income if you can't work because you're ill or injured.
Free Parent Life Cover
Get started protecting your growing family with an entire year of free life insurance, for parents of under-fours.
How our protection products compare
Life insurance *
* Available as level or decreasing cover
Medical underwriting required
Yes – we'll ask you to complete a health & lifestyle questionnaire. Based on on your answers we may write to your GP for further information or ask you to have a medical screening.
Guaranteed acceptance
No
Terminal illness
Yes
Protected against inflation
Optional
Joint policy option
Available
Cover amount
Lump sum up to £5m on death of the life covered
Term length
From 1 to 50 years or until you are 90 years old
Also known as
Mortgage protection, family protection, life assurance, life cover, term assurance.
Learn more about the differences
Over 50s Life Insurance
Medical underwriting required
No
Terminal illness cover
No
Guaranteed acceptance
Yes
Protected against inflation
No
Joint policy option
Not available
Cover amount
You can pay between £5 and £100 per month. Cover amount depends on your individual circumstances.
Term length
Whole of life
Also known as
50+, whole of life
Critical Illness cover
Medical underwriting required
Yes - we'll ask you to complete a health & lifestyle questionnaire. Based on on your answers we may write to your GP for further information or ask you to have a medical screening.
Terminal illness cover
No
Guaranteed acceptance
No
Protected against inflation
Optional
Joint policy option
Available
Cover amount
Lump sum up to £1m on diagnosis of specified critical illnesses
Term length
From 5 to 50 years
Also known as
Critical illness insurance, CIC
Income protection
Medical underwriting required
Yes – we'll ask you to complete a health & lifestyle questionnaire. Based on on your answers we may write to your GP for further information or ask you to have a medical screening.
Terminal illness cover
No
Guaranteed acceptance
No
Protected against inflation
No
Joint policy option
Not available
Cover amount
From £500 to £1,500 a month. Pays out a regular income when you're unable to work due to illness or injury
Term length
5-52 years, or until you're 71 years old
Also known as
IPI (Income Protection Insurance), Living costs protection
Meet Rachel, one of our Direct Protection Sales experts
Her role, along with many others is to help you to protect what's most important to you.
We'll chat with you to help understand your needs and then guide you through the cover options we offer that could work for you. All helping you to make an informed decision.
It starts with a short, no obligation chat, and ends with you knowing your next steps.
Still need help? Give us a call
0800 015 9864
Monday to Friday: 8:00am 6:00pm
Saturday and Sunday Closed
For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free. Our opening hours may be different depending on which team you need to speak to.
View and manage your policies
Depending on the type of policy you have, you can look at your documents, update your personal details and view your cover – all in one place on the go.
New to life cover?
Our life insurance glossary explains some of the key terms.
Protection articles and guides
What is term life insurance?
There are three types of cover on a term life insurance policy: decreasing cover, level cover, and increasing cover.
What is income protection insurance?
Explore the ins and outs to understand how it could help you
What is critical illness cover?
A guide to understanding critical illness insurance
Term life insurance vs over 50 life insurance – which is right for me?
Explore your options so you can protect the people you care about most