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Simple Life Insurance, From as little as 15p per day.1



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Why do I need life insurance?

Life insurance is a policy that pays out a lump sum to your loved ones if you pass away during the time you’re covered. You can decide the length, type of contract and cover amount. Your monthly payments are then based on these plus your medical history, age and lifestyle choices.


    A life insurance pay out could be used to:
  • Pay off a mortgage
  • Replace an income
  • Pay for childcare or education costs
  • Maintain your family's current standard of living
  • You can work out the amount of cover you might need by totalling up your financial commitments e.g. a mortgage, loans/finance, future education costs

One way to determine whether or not you need life insurance is to consider what your financial obligations and contributions are and what the impact of this would be on your loved ones if you were no longer around. If your outgoings are not mitigated by a death in service policy, saleable assets or an income, investment, savings or pension plan then you may want to consider a life insurance policy.


Why do people buy life insurance?

Buying a new home

If you die before your mortgage is paid off, the responsibility falls to someone you love. Life Insurance allows you to be proactive about ensuring such financial commitments are covered when you are gone. You can look at 'Decreasing Life Cover' where the payout decreases to match your mortgage (which may provide lower monthly payments) or 'Level Term' which is where the payout is fixed for a pre-determined amount of time.

Just Married

If you have recently, or are thinking of joining families with your loved one; it can make life easier to know you are both covered, should the worst happen to either one of you. Life insurance can be taken as a single policy, to cover just yourself or as a joint policy. A joint policy is usually cheaper than purchasing two single policies but in most instance only pays out once.

Having a Baby

The cost of raising a child can be expensive, even before you factor in considerartions such as education or university contributions. There are policies that are designed to run until your child reaches "maturity". Providing for your child to protect them against the unexpected is a way to give yourself peace of mind and help enjoy the present.

Planning for later life

When you are plannign for later life, you will notice that the 'cost of dying' is increasing significanlty year on year. Over 50's life cover could help pay off this cost. Over 50's cover differs from term-life in that there is no fixed length, it simply exists as long as you live. You don't have to use this money to pay for your funeral, but if that is a motivating factor, it may also be worth considering if you could require a funeral specific plan.