Personal protection
Life insurance
Help provide financial support for the people who depend on you if you die during the policy term.
How we help
- Cover shaped around your family. We assess your mortgage, other commitments and the support your dependants may need.
- A suitable amount and term. We recommend how much cover to arrange and how long it should last.
- Your circumstances considered. We compare suitable policies, including how insurers assess your health and lifestyle.
- Insurance arranged for you. We manage the application and explain ownership and any trust arrangements, identifying where legal advice is needed.
- Reviews as life changes. We review your protection with you as your family and circumstances evolve.
Your questions, answered
What is the difference between level and decreasing cover?
Level term cover keeps the insured amount the same during the term. Decreasing cover reduces over time and may suit a repayment mortgage. We check that its reduction assumptions suit your borrowing.
Does life insurance only cover a mortgage?
No. It can also help provide money for everyday costs and dependants. We assess the wider financial need before recommending cover.
Should I replace my existing policy?
We review it first, including its benefits and any proposed new terms. Keep existing cover in place until suitable replacement insurance has started.
Benefits depend on the policy’s terms, conditions and exclusions. Cover is subject to eligibility and underwriting. We explain the recommended policy before you decide.
What would you like to protect?
Tell us about your family, income and existing cover. We recommend suitable protection and arrange your insurance.