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Life Cover

Plan for the future and make sure your family is protected.

A policy to give you peace of mind

Life cover or life insurance is designed to protect you and your loved ones should you die or be diagnosed with a terminal illness.

If something were to happen, a cash lump sum could help your family deal with mortgage payments, bills or other living costs.

Cover will be supplied by one of our carefully-selected providers and our advisors can help you find the right policy for you. We also offer optional Critical Illness Cover for added protection.

What you'll get with Life Cover

Fixed premiums

Your premiums will never go up – and the younger you are when you take out your policy, the lower your monthly payments will be.

Single or joint cover

Get a single policy, or one that covers both you and your partner. With a joint policy, the same cover amount applies to both people and it pays out once when either person dies.

Flexible cover options

Choose from level or decreasing cover. With level cover the amount you're insured for stays the same, while decreasing cover steadily reduces in line with your needs.

More benefits to explore

  • Lump sum payout
    A lump sum payable on death or diagnosis of a terminal illness.
  • Holistic review
    If you like, we can help you take a look at your overall protection needs.
  • Critical Illness Cover
    Available as an add-on if you'd like extra protection for you and your family.
  • Expert recommendation
    Our advisors will suggest the best options from our preferred panel of providers.

What policy options are there?

Level or decreasing cover

With level cover, the amount you're insured for stays the same throughout the policy. It pays a set cash lump sum that could be used to help cover your family's living costs and/or any fixed debt like an interest-only mortgage.

Decreasing cover is usually a little cheaper than level cover, and the amount you're insured for decreases over time. This type of policy is designed to cover decreasing debts, such as a capital repayment mortgage.

Single or joint policy

Single life policies provide cover for one person. It's tailored to the insured person's needs and pays out once when they die.

Joint life policies provide cover for 2 people, for example a married couple. The same cover amount applies to both insured people. It pays out once when either person dies, at which point the policy ends.

Critical Illness Cover add-on

With this add-on, you'd receive a lump sum on diagnosis of one of a list of illnesses (depending on who provides your cover) and surgical procedures including, cancer (excluding less advanced cases), heart attack, stroke and dementia.

A critical illness policy payout can be used to cover bills and living costs if you need time off work for treatment. The proceeds could help you get treated quicker through private medical care.

What is and isn't covered?

These lists aren't exhaustive, but here are some things that wouldn't be covered under your Life Cover or Critical Illness Cover policy.

Life Cover

This doesn't provide cover:

  • if there are changes to your health, lifestyle or occupation, and you don't tell us about them before the policy starts
  • if you were to take your own life within the first 12 months of the policy
  • for death outside the policy term

Critical Illness Cover

This doesn't provide cover:

  • for claims within 90 days of the policy start date
  • if you die within 10 days of receiving a diagnosis

Who can apply?

To apply, you'll need to be:

  • a resident of the Channel Islands or Isle of Man

For Life Cover:

  • you'll need to be between 18 and 88 years old
  • cover must end before your 90th birthday

For Critical Illness Cover:

  • you'll need to be between 18 and 64 years old
  • cover must end before your 84th birthday

As with all insurance policies, terms and conditions, exclusions and limitations will apply.

Ready to apply?

Book a call and we'll get back to you to discuss your protection needs.

Frequently asked questions

You might be interested in

Knowing your loved ones will be taken care of if you die can give you peace of mind.
If you've just purchased a property, find out what sort of cover you'll need.
Critical illness cover supports you financially in the event of a serious diagnosis.
We're here to help you. Find the answers and while you're at it, tell us how we could do better.