1. Your details
  2. Your quote
  3. Apply online
  4. Confirmation

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.

Your policy details

Tip: You can add critical illness cover on the results page

What do you need the insurance to protect?
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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.

What type of mortgage do you have?
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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.

Please select the payout option for living costs
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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.

Help

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

Help

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

£
Help

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?

Who is the cover for?
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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.

,
About You
Title

Date of birth

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.

What is your height?
Help

Please enter your height (without shoes)

ft
ins
What is your weight?
Help

Please enter your weight (wearing indoor clothes)

st
lbs
Lifestyle
What is your smoking status?
Help

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.

When did you give up?
Help

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.

per day
years
During a typical week, how many alcoholic drinks do you have?
Help

For example, a drink is a glass of wine or a glass or bottle of beer.

What is your dress, skirt or trouser size?
Help

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.

What is your trouser size in UK inches?
Help

Please use the size from the most recent clothing purchase you made for yourself.

During the last 2 years, have you seen a health professional about:
Help

Provided you have fully recovered, you can ignore: Hay fever and isolated chest infections. Diarrhoea, food poisoning, sickness or vomiting, stomach bug or upset. Accidents and injuries.

  • A blood condition for example anaemia, blood clot?
  • A lung or breathing condition for example asthma, bronchitis, chronic obstructive lung disease, emphysema?
  • A neurological condition for example cerebral palsy, epilepsy, motor neurone disease, multiple sclerosis, paralysis, Parkinson's disease.
  • A condition affecting your stomach, bowel or oesophagus for example Crohn's disease, ulcerative colitis.
  • Any type of arthritis or gout?
  • A growth, lump, polyp or tumour?
  • Anxiety, depression or any other type of mental illness.
  • Any other condition for which you have been admitted overnight to hospital, or for which you are required to attend review or follow-up for
  • A medical condition that runs in your family for which you have been advised to have or had any tests or screening (excluding genetic tests) for?
Have any of your natural parents, brothers or sisters, before the age of 60, had any of the following?
  • Alzheimer's disease or dementia
  • Cancer of the bowel (colon), breast or ovary
  • Cardiomyopathy
  • Huntington's disease
  • Polycystic kidney disease
Have you ever:
  • Had diabetes or a heart condition for example angina, heart attack, heart valve problem, heart surgery?
  • Had a stroke, transient ischaemic attack (TIA) or a brain haemorrhage?
  • Had cancer, Hodgkin's disease, Non-Hodgkin's lymphoma, leukaemia, a melanoma or a brain tumour?
  • Been admitted overnight to hospital or referred to a psychiatrist for mental illness, anorexia or bulimia?
  • Tested positive for HIV, or are you waiting for the result of an HIV test?
During the last 5 years, have you seen a health professional about:
  • Raised blood pressure?
  • Raised cholesterol?
  • A condition affecting your kidney, liver or pancreas for example kidney stones, hepatitis, fatty liver?
During the last 3 months, have you had any symptom that you:
  • Are waiting review, referral, tests, test results or follow-up for?
  • May see a health professional about for the first time during the next 4 weeks?
Do you regularly take part in any of the following activities for work or recreation?
Help

You can ignore one off parachute jumps

  • Flying (other than as a fare-paying passenger)
  • Hang gliding or paragliding
  • Motor car or motorcycle sport
  • Mountaineering or rock climbing
  • Parachuting, sky diving or BASE jumping
  • Underwater diving
  • Any other extreme sport
During the last 2 years have you spent more than 90 consecutive days in Africa, the Caribbean, Russia, Thailand or Ukraine?
During the next 2 years do you intend to spend more than 30 consecutive days outside the UK, EU, USA, Canada, Australia or New Zealand ?
Help

You can ignore travel as a member of the Armed Forces

Do you work outside at heights over 15 metres (50ft), offshore in the oil, gas or fishing industry, in the Armed Forces or as a member of the army reserve
During the last 5 years have you been disqualified from driving for a motoring offence or convicted of careless or reckless driving?
During the last 5 years have you used any of the following?
Help

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.

  • Recreational drugs, for example cocaine, ecstasy, heroin
  • Methadone
  • Anabolic steroids not prescribed by a doctor
Have you ever been:
  • Told by a health professional that you should reduce the amount of alcohol you have because you were drinking too much?
  • Seen by an alcohol specialist or attended an alcohol support group or been told that you have any liver damage?
Including this application, what is the total amount of life cover you will have?
Help

Please include any applications being made to another insurer but ignore cover that will be cancelled if this policy goes ahead.


,
About other applicant
Title

Date of birth

What is your height?
Help

Please enter your height (without shoes)

ft
ins
What is your weight?
Help

Please enter your weight (wearing indoor clothes)

st
lbs
Lifestyle
What is your smoking status?
Help

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.

When did you give up?
Help

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.

per day
years
During a typical week, how many alcoholic drinks do you have?
Help

For example, a drink is a glass of wine or a glass or bottle of beer.

What is your trouser size in UK inches?
Help

Please use the size from the most recent clothing purchase you made for yourself.

What is your dress, skirt or trouser size?
Help

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.

During the last 2 years, have you seen a health professional about:
Help

Provided you have fully recovered, you can ignore: Hay fever and isolated chest infections. Diarrhoea, food poisoning, sickness or vomiting, stomach bug or upset. Accidents and injuries.

  • A blood condition for example anaemia, blood clot?
  • A lung or breathing condition for example asthma, bronchitis, chronic obstructive lung disease, emphysema?
  • A neurological condition for example cerebral palsy, epilepsy, motor neurone disease, multiple sclerosis, paralysis, Parkinson's disease.
  • A condition affecting your stomach, bowel or oesophagus for example Crohn's disease, ulcerative colitis.
  • Any type of arthritis or gout?
  • A growth, lump, polyp or tumour?
  • Anxiety, depression or any other type of mental illness.
  • Any other condition for which you have been admitted overnight to hospital, or for which you are required to attend review or follow-up for
  • A medical condition that runs in your family for which you have been advised to have or had any tests or screening (excluding genetic tests) for?
Have any of your natural parents, brothers or sisters, before the age of 60, had any of the following?
  • Alzheimer's disease or dementia
  • Cancer of the bowel (colon), breast or ovary
  • Cardiomyopathy
  • Huntington's disease
  • Polycystic kidney disease
Have you ever:
  • Had diabetes or a heart condition for example angina, heart attack, heart valve problem, heart surgery?
  • Had a stroke, transient ischaemic attack (TIA) or a brain haemorrhage?
  • Had cancer, Hodgkin's disease, Non-Hodgkin's lymphoma, leukaemia, a melanoma or a brain tumour?
  • Been admitted overnight to hospital or referred to a psychiatrist for mental illness, anorexia or bulimia?
  • Tested positive for HIV, or are you waiting for the result of an HIV test?
During the last 5 years, have you seen a health professional about:
  • Raised blood pressure?
  • Raised cholesterol?
  • A condition affecting your kidney, liver or pancreas for example kidney stones, hepatitis, fatty liver?
During the last 3 months, have you had any symptom that you:
  • Are waiting review, referral, tests, test results or follow-up for?
  • May see a health professional about for the first time during the next 4 weeks?
Do you regularly take part in any of the following activities for work or recreation?
Help

You can ignore one off parachute jumps

  • Flying (other than as a fare-paying passenger)
  • Hang gliding or paragliding
  • Motor car or motorcycle sport
  • Mountaineering or rock climbing
  • Parachuting, sky diving or BASE jumping
  • Underwater diving
  • Any other extreme sport
During the last 2 years have you spent more than 90 consecutive days in Africa, the Caribbean, Russia, Thailand or Ukraine?
During the next 2 years do you intend to spend more than 30 consecutive days outside the UK, EU, USA, Canada, Australia or New Zealand ?
Help

You can ignore travel as a member of the Armed Forces

Do you work outside at heights over 15 metres (50ft), offshore in the oil, gas or fishing industry, in the Armed Forces or as a member of the army reserve
During the last 5 years have you been disqualified from driving for a motoring offence or convicted of careless or reckless driving?
During the last 5 years have you used any of the following?
Help

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.

  • Recreational drugs, for example cocaine, ecstasy, heroin
  • Methadone
  • Anabolic steroids not prescribed by a doctor
Have you ever been:
  • Told by a health professional that you should reduce the amount of alcohol you have because you were drinking too much?
  • Seen by an alcohol specialist or attended an alcohol support group or been told that you have any liver damage?
Including this application, what is the total amount of life cover you will have?
Help

Please include any applications being made to another insurer but ignore cover that will be cancelled if this policy goes ahead.


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