It depends on your money commitments, such as: if people depend on you financially; whether you have a mortgage; and the size of your other debts. If you’re unsure, as a rough rule of thumb you should buy cover for 10 times your annual salary.
Remember, you can change this amount at any time before you buy.
It all depends on your needs. If you have a mortgage, you could cover yourself up to when you expect to pay it off. You can then adjust the amount of protection you need as your life circumstances change.
The longer the term of your cover, the higher your monthly premiums will be.
It’s due to the health risks linked to smoking. You generally pay a lower premium if you’re a non-smoker.
Just so you know, we could run random testing to confirm a person’s smoking status, even after they’ve bought cover.
Your quote automatically includes , our healthy living option to help you get happier and healthier. It gives you:
Cover features:
Features:
If you make a claim, our Protected Life Cover will take your life cover amount back up to 100% of its original level, giving you the extra reassurance of knowing you’ll always have cover when you need it.
When we take your life cover amount back up to 100% of its original amount, there’s no extra underwriting, no additional exclusions and - unlike competitors’ buy-back options - no change to your premium.
If you get ill, injured, or disabled, we stop charging the plan premium for your plan.
Your deferred period (the period of incapacity before your premiums are waived) is six months.
