Call for a quote
Calls to us are free but your phone company may apply an access charge.
It's important that you answer questions truthfully, accurately and completely.If you don't, this may result in your policy being amended, cancelled, or a claim not being paid.
Tip: You can add critical illness cover on the results page
Mortgage
Insurance which pays a sum of money which can be used to repay a mortgage (or loan) if you die during the term of the policy.
Living Costs
Insurance which 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 which pays a guaranteed and fixed sum of money if you die during the term of the policy which can be used to repay a mortgage (or loan) and any other purposes including covering future living expenses.
Interest only (level)
With an interest only (level) mortgage the sum of money outstanding remains the same throughout the period of the mortgage and therefore the policy quoted will be a level term life insurance where the amount that is paid out if you die within the term of the policy stays the same. It provides certainty as both the cover and premiums are fixed from the date you start paying the premiums until the end of the policy term.
Repayment (decreasing)
With a capital repayment (decreasing) mortgage the sum of money outstanding reduces over time. Therefore the policy quoted is a decreasing life insurance policy where the sum of money paid out if you die within the term of the policy also reduces over the term of the policy. If this is not the type of policy you require you can amend on the results page.
Annual Income
The policy quoted will be a family income benefit life insurance. With this you're covered for as long as the policy runs. Once the term ends, the cover and/or any income payments stop. For example, if you have a 20 year policy and pass away five years into this, then the policy will pay out a regular income for the remaining 15 years. If you die 16 years into the policy, it will pay out for the remaining four years of the term. So if you die nearer the end of the term of the policy the total payout will be less than if you died earlier in the term.
Lump Sum
The policy quoted will be a level term life insurance where the amount that is paid out if you die, within the term of the policy, stays the same throughout. It provides certainty as both the cover and premiums are fixed from the date you start paying the premiums until the end of the policy term.
You can work out the amount of protection you need by totalling up your financial commitments. You should also consider how much your family would still need if you were to die. Things you could consider are: - your outstanding mortgage balance - other financial commitments such as loans, overdrafts and credit card balances - education costs for your children - ongoing family and home living costs (bills, food, home maintenance and home improvements) - any sum you may want to leave your loved ones for their future
eg. helping kids with Uni, your partner with a loan etc
The average cost of a UK funeral is £4,078 – SunLife Cost of Dying Report 2017
This is an illustration of the amount of life insurance you may need based on the information you’ve provided. It should not be taken as a recommendation or advice.
How long you should be protected for varies depending on individual circumstances but you could use your reasons for taking out life insurance as a guide. For example: - When will your mortgage come to an end? - When will your family and dependents become self-sufficient?
A single life policy insures only you. A joint life policy insures two lives. You and the other insured life must have a shared financial interest (insurable interest). For example, joint financial commitments such as mortgages or children or two friends with a joint mortgage.
If there are two lives to insure you could have one policy each. Two single policies may be more expensive than a joint policy but it will mean that if one policy is claimed against then the other policy will remain in force.
Please provide your email address in order that we can confirm your quotation in writing.
We may contact you to assist with your Life insurance quotation. Please provide your telephone number if you consent to us calling you to discuss.
Please enter your height (without shoes)
Please enter your weight (wearing indoor clothes)
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.
Please enter the approximate units of alcohol consumed per week over the last or a typical month. A glass of wine (250ml) is 2.9 units, pint of ordinary strength beer 2 units, strong/premium beer or cider 3 units or single measure/shot of spirits or bottles of alcopops 1.5 units
Tell us how many of the below types of alcoholic drinks you consume each week, and this handy calculator will convert it into units of alcohol.
You need to disclose if you have had treatment during the last 5 years from a doctor, nurse, psychiatrist, or counsellor as well as any regular ongoing treatment for conditions such as asthma and raised blood pressure. You do not need to disclose hay fever or outpatient-only treatment for injuries or sprains
By 'inherited condition' , we mean one or any of: Alports syndrome, Alzheimer's disease or dementia, Diabetes, Dysplastic naevus syndrome, Familial Adenomatous Polyposis of the colon (FAP), Familial Hypercholesterolaemia, Haemochromatosis, Hypertrophic Obstructive Cardiomyopathy (HOCM), Motor Neurone Disease, Multiple Sclerosis, Muscular Dystrophy, Parkinson's disease, Porphyria, Sub arachnoid haemorrhage or TIA, Tuberous sclerosis. If you're adopted or estranged from your family and do not know their medical history you can respond no to this question.
This includes any such diagnosis, treatment, referral or investigation/test you have ever had for these conditions.
You need to disclose if you have any current or recent symptoms you have experienced which are being investigated, about to be treated or for which you are intending to see a doctor, nurse, psychiatrist, or counsellor. You do not need to disclose such symptoms if you are planning to see or be treated by a chiropodist, chiropractor, dentist, osteopath or physiotherapist.
Extreme sports include activities such as advanced competitive skiing, base jumping, bungee jumping, canyoning, power boating, white water rafting and zorbing. You do not need to disclose : Ball games, horse riding, kite surfing, land boarding, mountain biking, sailing, winter holiday skiing for pleasure, surfing, water skiing or windsurfing.
Please refer to the Foreign and Commonwealth Office (FCO) www.fco.gov.uk/travel site and click on “Travel advice by country” if you are unsure about the security situation in a country you may visit. Where the FCO advises against any travel to any part of the country you should answer the question as Yes.
If the total amount of time spent in Africa, the Caribbean or Thailand, when added together for the last 5 years exceeds 90 days, you should answer Yes.
This includes recreational drugs which are not limited to cocaine, heroin, amphetamines, solvents, etc.
Even if you have been refused life insurance previously the provider may still be able to consider this application. You will be asked to provide some further details so that your application can be assessed.
You do not need to include life insurance which is part of a group scheme arranged by your employer (referred to as Death in Service or Group Life Schemes.)
