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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.

See more questions

Give us a call

If you still have a question about your life insurance, we’ll get you talking to the right person.

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    0800 145 5541


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    0370 060 2040


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  • Quotes

    0800 145 5541

    0800 145 5541

    Mon – Fri
    8am – 8pm
    Saturday
    9am – 5pm
  • Existing customers

    0370 060 2040

    0370 060 2040

    Mon – Fri
    8:30am – 6pm
    Saturday
    9am – 1pm
  • Life claims

    0800 137 101

    0800 137 101

    Mon – Fri
    9am – 5:30pm
  • Critical illness claims

    0800 068 0789

    0800 068 0789

    Mon – Fri
    9am – 5:30pm
  • Calling from abroad?

    0044 1273 824 665

    0044 1273 824 665

    Calls are charged at the prevailling international rate

Calls may be monitored and recorded. Call charges will vary.

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