Life Cover

“If my partner passed away, it would leave me heartbroken and in financial ruin”

Although we can never replace your loss, we can ensure that you are protected financially with our Life Cover programme to meet your personal needs. At least you and your family can have the financial security that you need.

Most people have two separate requirements when it comes to life cover. The first is to cover specific expenditure and debts in the event of death, so for example a mortgage, or replacing an income. More generally, most people also feel a need to provide an extra something over and above this specific expenditure.

There are several different forms of life assurance to cater for different needs: cover which decreases over time, cover which increases over time, cover against inheritance tax liability, cover which is guaranteed to be renewable.

If you have a pension scheme it will usually pay out either a lump sum or an income, or both, to your partner if you die before retirement age. Find out how much. This can be topped up with a Family Income Benefit policy which pays out an income rather than a lump sum if you die before the end of the term.

Try out our Life cover calculator to give you an idea of what you would need to protect you and your family.