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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 help you with your Life insurance quotation. Please provide your telephone number if you consent to us getting in touch with you to assist.
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.
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.
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.
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.
