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It's important to answer questions truthfully, accurately and completely. If you don't, your policy could end up being amended, cancelled, or a claim not being paid.
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Mortgage insurance pays a sum of money that can be used to repay a mortgage or loan if you die during the term of the policy.
Living costs insurance pays a guaranteed and fixed sum of money if you die during the term of the policy which can be used to provide for living expenses or any other purposes.
Mortgage and living costs insurance pays a guaranteed and fixed sum of money if you die during the term of the policy. It can be used to repay a mortgage or loan and any other purposes, including future living expenses.
A capital repayment or 'decreasing' mortgage is where you pay off part of the mortage each month. The life insurance suited to this type of mortage would also reduce over the policy length. So as more of the mortgage is paid off, the less the policy would pay out if you were to die during the mortgage term. If this isn't the type of policy you need you can change on the results page.
An interest-only or 'level' mortgage is when you only pay off the interest per month, so you'll still owe the full mortgage amount at the end of the term. The life cover suited for this is called level cover. Both the cover and premiums are fixed or 'level' from the date you start paying the until the end of the policy term. So if you die during the term, the full policy amount will be paid out.
Annual income is a family income benefit that covers your loved ones for the policy term. Once the term ends, the cover or any income payments stop.
For example, if you have a 20 year policy and die 5 years into it, the policy will pay out a regular income for the remaining 15 years. If you die nearer the end of the policy term, the total payout will be less than if you died earlier in the term.
Lump sum is a level term life insurance where the amount paid out if you die is fixed. If you died within the term of the policy, you'd get the full amount quoted.
For example, a 20 year lump sum policy with a pay out of £150,000 would pay out this amount if you died during policy, no matter how far or short in to it. It provides certainty as both the cover and premiums are fixed from the date you start paying until the end of the policy term.
A single life policy insures just you.
A joint life policy insures you and someone else. You and the other insured life must have a shared financial interest. For example, joint financial commitments such as mortgages, children or two friends with a joint mortgage. With a joint policy, if one of you die the cover is paid out but then the policy ends.
If there are two lives to insure, both of you could have a single policy. Two single policies may be more expensive than a joint policy, but it means that if one policy is claimed against, the other policy will remain active.
For now these titles are what our system and insurance providers use. We're working to add in more inclusive titles.
Please select the option from the list that reflects your smoking history. A smoker is someone who smokes cigarettes or cigars / uses a pipe or other tobacco product / uses nicotine replacement products including e-cigarettes.
If you have smoked or used any tobacco products (including cigars, a pipe, cigarettes or nicotine replacement products) in the last 12 months then you are classified as a smoker.
For example, a drink is a glass of wine or a glass or bottle of beer.
Please use the size from the most recent clothing purchase you made for yourself.
Please use the size from the most recent clothing purchase you made for yourself. If you're pregnant, please advise your size prior to this pregnancy.
Please answer no if you are following general social-distancing advice to avoid spread of the virus or working from home due to workplace advice only
Please ignore birthmarks where no treatment or specialist referral has been advised.
Please ignore routine cervical smears if the results have been normal. Please ignore birthmarks where no treatment or specialist referral has been advised.
You can ignore one off parachute jumps
You can ignore travel as a member of the Armed Forces
We'll only use the answer to this question to assess your application and at claim stage. Therefore there are no 'legal implications' in answering yes to this question.
Please include any applications being made to another insurer but ignore cover that will be cancelled if this policy goes ahead.