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Term Life Insurance

This type of policy offers a fixed sum assured, where the cover and premiums stay the same for the duration of your cover period, unless you make a change to your policy.

Calculate your cover

Our calculator is designed to help you work out how much cover you might need, in just a couple of minutes.

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Everything You Need to Know About Life Insurance
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Life Insurance Jargon: Explained Image

Life Insurance Jargon: Explained

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A Guide to Insurance… What is it? Image

A Guide to Insurance… What is it?

Should I buy the cheapest life insurance? Image

Should I buy the cheapest life insurance?

How long do you need to have life insurance before you die? Image

How long do you need to have life insurance before you die?

What happens if I outlive my life insurance policy? Image

What happens if I outlive my life insurance policy?

How much does life insurance cost? Image

How much does life insurance cost?

How much life insurance do I need? Image

How much life insurance do I need?

How does life insurance work? Image

How does life insurance work?

Why do I need life insurance? Image

Why do I need life insurance?

What is life insurance? Image

What is life insurance?

Calculate your cover Image

Calculate your cover

Quickly find out how much your monthly premium would be.

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Calculate your cover

Total Cover

We are only providing an estimate.

You will need to decide how much cover is sufficient to meet your needs.

Life insurance is designed to provide a cash lump sum should you die during the policy term.

How we calculated your cover

I would like my life insurance to cover...

My mortgage

Support my spouse / partner

Support my children

Pay off my loans and debts

Cover my funeral

How much do you owe on your mortgage?

Check your most recent mortgage statement for the outstanding balance

What is your monthly salary after tax?

How much do you owe in other debts, such as credit cards or loans?

How many children do you have? (under the age of 18)

How old is your child?

How much do you want to put towards your funeral?

Adjust your cover

Mortgage

Your spouse/partner

Your children

University costs

Pay off my loans and debts

Funeral costs

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How we estimate elements of your cover

Mortgage

Mortgages tend to decrease in value over time, although this depends on the type of mortgage you hold. For a straightforward repayment mortgage - customers usually opt for decreasing term cover.

Spouse/partner

This is estimated based on your monthly take-home salary x 48

Children and university costs

Average cost of a child is estimated at £5,000 per year, up until their 18th birthday

University Costs

University costs are estimated at £17,000 per year (based on tuition fees and living costs) over a 3 year course

Debts and loans

To pay off any outstanding debts or loans should you pass away before its repaid.

We're here to help

Contact our team on 0800 033 4187

Our advisors are available Mon to Fri 9am - 5pm

39-51 Highgate Rd
London
NW5 1RT

0800 033 4187

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