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Our pick of helpful life insurance questions

• What if I need to make a change to my policy?

  Our policies allow you to make changes, such as:

  • Changing the term of your policy
  • Increasing or decreasing your cover amount
  • Changing between monthly or annual premiums
  • Removing a person from a joint policy where cover is no longer required for that person
  • Splitting a joint life policy into two single life policies in the event of divorce, dissolution of a registered civil partnership, or taking out a mortgage in the name of one person on the policy

  Terms and conditions apply, please read the policy booklet for more information or contact us.

• What is ‘Critical Illness Cover’?

  Critical Illness Cover is designed to help cover critical illnesses which would have a severe impact on your lifestyle. We provide cover for conditions such as some forms of cancer, heart attack and stroke. The policy covers more than the guidelines published by the Association of British Insurers. It is important to refer to the Guide to Critical Illness Cover.

• How much life insurance cover should I get?

  You choose how much life insurance you buy. You might want your policy to pay out the value of your mortgage, or a specific lump sum for your dependents, or provide enough to cover both. To help you get an idea of how much cover you might need, take a look at our cover calculator.

• Can I increase my life cover at a later date?

  If you want to increase the amount of life cover you have then you might be able to use the ‘Guaranteed Insurability Option’. This is subject to certain conditions, which you can read about in the policy booklet. Otherwise, you can apply for an increase to your existing policy or apply for a new policy for the extra amount of life cover you need. These will be subject to our underwriting criteria.

• What happens if one life insured dies on a joint policy?

  If you jointly hold a policy, as joint lives insured, and one of the lives insured dies, we would pay out the amount of cover and the policy would end. This cash sum goes to the surviving policyholder.