Call for a quote
Calls to us are free but your phone company may apply an access charge.
By using this service you are agreeing to our terms & conditions and privacy policy
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
Life insurance
With a level term policy the amount you are covered for is fixed when you start paying your premiums and it stays the same throughout the term. If you die within the policy term then a guaranteed lump sum of money will be paid. This type of policy could be used to leave a lump sum for your loved ones, replace an income or cover an interest only mortgage (where the amount you owe on your mortgage remains the same).
Mortgage life insurance
With mortgage protection life insurance, the amount you are covered for decreases over the term of the policy but your premium remains the same. This type of policy is commonly used to cover the outstanding balance of a standard repayment mortgage.
How long you should be covered 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?
You can work out the amount of cover 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- on going family and home living costs (bills, food, home maintenance and home improvements)- any lump 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 £3,590 – SunLife Cost of Dying Survey 2014
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.
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 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.
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.
This includes recreational drugs which are not limited to cocaine, heroin, amphetamines, solvents, etc.
This includes any such diagnosis, treatment, referral or investigation/test you have ever had for these conditions.
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
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.
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.
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.
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.)
