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?
Help

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?
Help

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.

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 lump 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
Units of alcohol per week?
Help

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

Within the last 5 years have you:
Help

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

  • had any form of medical treatment or taken any prescribed treatment?
  • attended or been advised to attend hospital or clinic either as an inpatient or outpatient?
  • seen a doctor or been counselled for anxiety, depression or any other mental or nervous illness?
Are you currently taking any prescribed medication? (ignoring medication related to colds, flu, hay fever, pregnancy, back or knee pain, fractures, HRT)
Have any of your natural parents, brothers or sisters been diagnosed as having angina, a heart attack, stroke, bowel cancer, colon cancer, breast or ovarian cancer, Huntington's disease, polycystic kidney disease or any inherited condition before they were 65?
Help

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.

Have you been diagnosed with, received any treatment, or been referred for investigation or tests, for:
Help

This includes any such diagnosis, treatment, referral or investigation/test you have ever had for these conditions.

  • chest pain, a heart attack, or any other heart condition?
  • a stroke or transient ischaemic attack (TIA, a minor form of stroke)?
  • brain haemorrhage or brain injury?
  • diabetes?
  • cancer, leukaemia, Hodgkin's disease, lymphoma or any other form of tumour?
Have you been diagnosed with, received any treatment, or been referred for investigation or tests, for:
Help

This includes any such diagnosis, treatment, referral or investigation/test you have ever had for these conditions.

  • kidney failure?
  • paralysis?
  • multiple sclerosis?
  • blurred or double vision?
  • loss of feeling, numbness or pins and needles serious enough to have been reported to a doctor?
Apart from any medical conditions you've already told us about, are you:
Help

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.

  • currently intending to seek any medical advice?
  • currently undergoing or awaiting medical investigations or tests?
  • waiting for any form of treatment to start?
Have you ever tested positive for HIV/AIDS or hepatitis B or C, or are you awaiting the results of such a test? (If the result of a test you're waiting for turns out to be negative, the fact that you had a test won't affect the acceptance terms the provider offers you.)
Do you take part in any of the following activities:
Help

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.

  • diving (other than as a holiday activity), caving or potholing?
  • climbing outside the UK?
  • extreme sports (for example, base jumping, bungee jumping, white water rafting)?
  • flying (including hang gliding, microlighting, parachuting, etc)?
  • motor car or bike racing on a racing circuit?
Does your work involve any of the following:
Help

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.

  • working at heights externally over 40 feet (12.2 metres) for more than 25% of the time?
  • flying other than as a fare paying passenger, an airline pilot or cabin crew?
  • commercial underwater diving?
  • working on a trawler?
  • tunnelling below ground?
  • being on an oil or gas platform?
  • travelling to countries where there are areas of internal conflict or insecurity?
  • being a member of the Armed Forces, the Armed Forces Reserve or the Territorial Army?
During the last 5 years, have you spent more than 90 days in total in Africa, the Caribbean or Thailand?
Help

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.

Have you been disqualified from driving in the last 5 years?
Have you ever used or injected any drugs that were not prescribed to you?
Help

This includes recreational drugs which are not limited to cocaine, heroin, amphetamines, solvents, etc.

Have you ever:
Help

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.

  • asked for or been given advice or treatment to reduce the amount you drink?
  • been refused life insurance?
Will the amount of life insurance you are now applying for, added to the amount you already hold, with any insurance company, exceed £750,000? (You need to include any other life insurance application you intend to proceed with.) Or have you taken out more than £250,000 worth of life insurance in total in the last year?
Help

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.)


,
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
Units of alcohol per week?
Help

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

Within the last 5 years have you:
Help

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

  • had any form of medical treatment or taken any prescribed treatment?
  • attended or been advised to attend hospital or clinic either as an inpatient or outpatient?
  • seen a doctor or been counselled for anxiety, depression or any other mental or nervous illness?
Are you currently taking any prescribed medication? (ignoring medication related to colds, flu, hay fever, pregnancy, back or knee pain, fractures, HRT)
Have any of your natural parents, brothers or sisters been diagnosed as having angina, a heart attack, stroke, bowel cancer, colon cancer, breast or ovarian cancer, Huntington's disease, polycystic kidney disease or any inherited condition before they were 65?
Help

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.

Have you been diagnosed with, received any treatment, or been referred for investigation or tests, for:
Help

This includes any such diagnosis, treatment, referral or investigation/test you have ever had for these conditions.

  • chest pain, a heart attack, or any other heart condition?
  • a stroke or transient ischaemic attack (TIA, a minor form of stroke)?
  • brain haemorrhage or brain injury?
  • diabetes?
  • cancer, leukaemia, Hodgkin's disease, lymphoma or any other form of tumour?
Have you been diagnosed with, received any treatment, or been referred for investigation or tests, for:
Help

This includes any such diagnosis, treatment, referral or investigation/test you have ever had for these conditions.

  • kidney failure?
  • paralysis?
  • multiple sclerosis?
  • blurred or double vision?
  • loss of feeling, numbness or pins and needles serious enough to have been reported to a doctor?
Apart from any medical conditions you've already told us about, are you:
Help

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.

  • currently intending to seek any medical advice?
  • currently undergoing or awaiting medical investigations or tests?
  • waiting for any form of treatment to start?
Have you ever tested positive for HIV/AIDS or hepatitis B or C, or are you awaiting the results of such a test? (If the result of a test you're waiting for turns out to be negative, the fact that you had a test won't affect the acceptance terms the provider offers you.)
Do you take part in any of the following activities:
Help

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.

  • diving (other than as a holiday activity), caving or potholing?
  • climbing outside the UK?
  • extreme sports (for example, base jumping, bungee jumping, white water rafting)?
  • flying (including hang gliding, microlighting, parachuting, etc)?
  • motor car or bike racing on a racing circuit?
Does your work involve any of the following:
Help

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.

  • working at heights externally over 40 feet (12.2 metres) for more than 25% of the time?
  • flying other than as a fare paying passenger, an airline pilot or cabin crew?
  • commercial underwater diving?
  • working on a trawler?
  • tunnelling below ground?
  • being on an oil or gas platform?
  • travelling to countries where there are areas of internal conflict or insecurity?
  • being a member of the Armed Forces, the Armed Forces Reserve or the Territorial Army?
During the last 5 years, have you spent more than 90 days in total in Africa, the Caribbean or Thailand?
Help

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.

Have you been disqualified from driving in the last 5 years?
Have you ever used or injected any drugs that were not prescribed to you?
Help

This includes recreational drugs which are not limited to cocaine, heroin, amphetamines, solvents, etc.

Have you ever:
Help

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.

  • asked for or been given advice or treatment to reduce the amount you drink?
  • been refused life insurance?
Will the amount of life insurance you are now applying for, added to the amount you already hold, with any insurance company, exceed £750,000? (You need to include any other life insurance application you intend to proceed with.) Or have you taken out more than £250,000 worth of life insurance in total in the last year?
Help

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.)


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