Term life insurance

One of the simplest and cheapest types of life insurance that you can buy.

Term life insurance is particularly important if you're getting married or planning a family.

Why is this cover important?

Have you ever considered what would happen to your family if you were to die? A policy will pay out a lump sum upon death to your partner and dependants.

Working out how much life insurance cover you need to take out requires a bit of thought. There are rules of thumb that suggest up to 10 times your annual salary. However, if you want to be a bit more precise, you need to think about how much money your family would need to cover any loss of income.

You may get life insurance cover through your workplace so it's important to check what they provide before taking out a policy.

The cover amount is fixed throughout the policy and you can buy single or joint cover.

Add critical illness cover

If you choose to add critical illness cover to your term life insurance policy, you’ll be covered for any illness specified under the policy. 

Children's critical illness cover is included at no extra charge. You'll need to refer to your provider’s key facts document for a full list of conditions they cover.

The cover will usually stop after a critical illness claim is paid.

From £3.64 per month

Based on a male non-smoker born on 01 January 1988 for £85,000 Level Term life insurance for a 20 year term. Direct Life data, January 2020.