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Life Cover

As your family grows, so does the cost of supporting them, but what if you weren’t there to provide for them? The prospect of leaving your loved ones in a financially unstable position can be particularly worrying, which is why we have partnered with Legal & General to provide you with life assurance.

Legal & General’s life assurance policy is designed to pay a lump sum to your loved ones in the event of your death during the policy term. You decide how much or how little you wish to cover and with the right protection in place, if the worst does happen, your family can use the money in any way they choose, perhaps to help pay off the mortgage or meet regular living costs.

Key features

  • Life cover is designed to help protect against the financial impact of death.
  • The lump sum can help protect your family’s lifestyle and avoid financial hardship.
  • Legal & General’s Life Cover plan pays a lump sum if you die during the term of the plan, or if you are diagnosed with a terminal illness and are not expected to live for more than 12 months.
  • When setting up your policy you can choose whether your policy will pay out a lump sum or a monthly amount.

Additionally, we also offer Critical Illness Cover as an optional add-on for an extra cost.

This is not an investment product and has no cash value unless a valid claim is made.

What could stop the plan from paying out?

  • Life cover won’t pay out if within the first year of your policy, the cause of your death is directly or indirectly caused by suicide, intentional and serious self-injury or exposing yourself to significant risk that is more likely than not to result in death.
  • You don’t give Legal & General all the information that they ask for, or give them inaccurate information. This applies to information they ask for when the plan is being set up, and when you or your representatives make a claim.
  • You don’t tell Legal & General if any of the information you provide in your application changes before your plan starts. You need to let Legal & General know, to make sure your cover is not affected.
  • There are specific conditions under which the plan won’t pay out. If this applies to you, Legal & General will write to you when they set up your plan to let you know about any exclusions they’re applying, and check that you’re willing to accept them.

No claim for Terminal Illness Cover can be made after the death of the person covered, or on plans of less than two years.

Legal & General might decline a Waiver of Premium claim if when you claim, you have been living in a non EU country for more than three consecutive months in any 12 months.

For further details of our Life Cover, conditions and exclusions that apply, please read Legal & General's Family Protection Plan Key Features Document.

There are many reasons why you may want to consider taking a life insurance policy such as paying off your mortgage or providing a lump sum for your family to help with their future financial wellbeing. We can tailor your needs with a suitable Life Insurance policy through the use of Level or Decreasing Term Insurance or with a Family and Personal Income Plan.

Life Cover plans

  • These pay a lump sum if you die during the length of the plan, or if you are diagnosed with a terminal illness and are not expected to live for more than 12 months.

Life and Critical Illness Cover and Critical Illness Cover plans

  • These pay a lump sum if you die during the length the plan, or are diagnosed with a terminal illness or a critical illness that meets Legal and General's definitions.

Their plans only cover specific illnesses which are listed on page 10 of the Key Features Document. If you are diagnosed with a condition that isn’t on the list or that doesn’t meet their definition, then Legal and General won’t pay out.

Family and Personal Income Plans

  • Family and Personal Income Plan Life Cover provides a monthly benefit if you die during the length of the plan or if you are diagnosed with a terminal illness and are not expected to live for more than 12 months.
  • Family and Personal Income Plan Critical Illness Cover or Life and Critical Illness Cover pay a monthly benefit if you die during the length of the plan or are diagnosed with a terminal illness or a critical illness that meets Legal & General's definition. Their plans only cover specific illnesses which are listed on page 10 of the Key Features Document. If you are diagnosed with a condition that isn’t on the list, or that doesn’t meet Legal & General's definition of it, then Legal & General won’t pay out.

For joint life plans, Legal & General will pay out when the first person covered by the plan dies during the length of the plan or is diagnosed with a terminal illness, or a critical illness (if this has been chosen) and has a valid claim.

We realise just how important it is to know that you’re taking out life insurance with a company that will still be around in years to come, which is why we’ve teamed up with Legal & General, a large company who specialise in providing a service that you can always trust in times of financial uncertainty.

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Phone Number: 0345 850 1777

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