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LIFE INSURANCE

  1. 1
    You and your cover
  2. 2
    Your lifestyle
  3. 3
    Your health
  4. 4
    Additional questions about you
  5. 5
    Your contact details
  6. 6
    Your results

Welcome, let's get your Life Insurance sorted out

Your answers need to be complete and accurate:

During the application we will ask you some questions. Please take reasonable care to answer them accurately and completely.

Insurers rely only on the information you give and may not check it.

If you do not provide complete, accurate and up-to-date information, your policy may be cancelled or the insurer may not pay out in the event of a claim.

About you

Please select your title

Please enter your first name

Please enter your last name

Please select your gender

Please select your marital status

Your age is one of the factors used by insurers to calculate your premium.

Unfortunately we can only provide products to users between 17 and 65 years of age

Need help?

Your age is one of the factors used by insurers to calculate your premium.

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Please enter a valid UK postcode

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Please enter your address

Please select whether or not you have smoked or used nicotine products in the last 12 months

A smoker is someone who smokes cigarettes, cigars, uses a pipe or other tobacco products; including nicotine replacements and e-cigarettes.

You are classed as a smoker if you have smoked or used any tobacco related products (including nicotine patches or e-cigarettes) within the last 12 months.

Need help?

A smoker is someone who smokes cigarettes, cigars, uses a pipe or other tobacco products; including nicotine replacements and e-cigarettes.

Please select whether this cover is just for you

In the case of two people jointly covered, Life Insurance will pay out on the death of the first person (but then not the death of the second).

There must be an 'insurable interest' between the first and second person. This means that if one person were to die, the other would suffer a financial loss that the Life Insurance policy can help to cover. Parties with insurable interest are married couples, civil partners, people sharing a mortgage or loan.

Need help?

In the case of two people jointly covered, Life Insurance will pay out on the death of the first person (but then not the death of the second).

There must be an 'insurable interest' between the first and second person. This means that if one person were to die, the other would suffer a financial loss that the Life Insurance policy can help to cover. Parties with insurable interest are married couples, civil partners, people sharing a mortgage or loan.

About the second applicant

Please select the second applicant's title

Please enter the second applicant's first name

Please enter the second applicant's last name

Please select the second applicant's gender

Please select the second applicant's marital status

Your age is one of the factors used by insurers to calculate your premium.

Unfortunately we can only provide products to users between 17 and 65 years of age

Need help?

Your age is one of the factors used by insurers to calculate your premium.

/ /

Please select whether or not the second applicant has smoked or used nicotine products in the last 12 months

A smoker is someone who smokes cigarettes, cigars, uses a pipe or other tobacco products; including nicotine replacements and e-cigarettes.

You are classed as a smoker if you have smoked or used any tobacco related products (including nicotine patches or e-cigarettes) within the last 12 months.

Need help?

A smoker is someone who smokes cigarettes, cigars, uses a pipe or other tobacco products; including nicotine replacements and e-cigarettes.

About your cover

You need to choose an amount that reflects yours and dependents' financial needs.

When choosing your sum insured, there are several points to consider, mainly relating to your income and outgoings. So, you could start by totting up how much your family needs over the course of a year to pay for major bills such as your mortgage or rent, utility and council tax bills, any loan repayments, groceries and other household expenditure.

This is the amount the policy will pay out in the event of a claim.

Need help?

You need to choose an amount that reflects yours and dependents' financial needs.

When choosing your sum insured, there are several points to consider, mainly relating to your income and outgoings. So, you could start by totting up how much your family needs over the course of a year to pay for major bills such as your mortgage or rent, utility and council tax bills, any loan repayments, groceries and other household expenditure.

Please select a cover amount between £10,000 and £10,000,000

We can help you work out how much cover you feel you need.

You need to choose a policy 'term' – the number of years you will be protected by the policy. This should align with your financial obligations and needs. Note that most insurance companies will only quote for terms that end before you reach 85.

This is the number of years you will be protected by the policy.

Need help?

You need to choose a policy 'term' – the number of years you will be protected by the policy. This should align with your financial obligations and needs. Note that most insurance companies will only quote for terms that end before you reach 85.

Please enter a term between 5 years and 40 years

Please select whether Critical Illness cover is required

Critical illness cover is designed to pay out a lump sum if you get a serious illness or suffer traumatic life-changing injury. The illnesses covered vary from one insurer to the next, but cancer, stroke, heart attack and multiple sclerosis will be included.

This cover isn't built into your life insurance policy. Life insurance is intended to pay out when you die, or if you're diagnosed with a terminal illness where you're likely to die in the near future (usually within 12 months). Critical illness cover covers you for serious illnesses from which you may recover.

You can remove this cover when you see your results, if you change your mind.

Need help?

Critical illness cover is designed to pay out a lump sum if you get a serious illness or suffer traumatic life-changing injury. The illnesses covered vary from one insurer to the next, but cancer, stroke, heart attack and multiple sclerosis will be included.

This cover isn't built into your life insurance policy. Life insurance is intended to pay out when you die, or if you're diagnosed with a terminal illness where you're likely to die in the near future (usually within 12 months). Critical illness cover covers you for serious illnesses from which you may recover.


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