Are you eligible for one of our life insurance products?

Good to know – life insurance is provided by Legal & General

To take out a life insurance policy with us:

  • You must be aged between 18 and 77 for Level Term Life Insurance, or 18 and 74 for Decreasing Term Life Insurance.
  • You must be a UK resident.
  • The policy must end by your 90th birthday (70th birthday if you have Critical Illness Cover).
  • If you want to add Critical Illness Cover to your Level Term Life Insurance policy you must be aged 18 to 67, and the policy must end before your 70th birthday.
  • If you want to add Critical Illness Cover to your Decreasing Term Life Insurance policy you must be aged 18 to 64, and the policy must end before your 70th birthday.
  • Choose a length of cover (the ‘term’) of up to 50 years (40 years if you have Critical Illness Cover)
  • You can apply for a policy that covers just you, or you and your partner (called a ‘joint’ policy). With a joint policy it can only pay out the full cash sum once and the cover would then end.
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Do you have any  insurance policies  with Direct Line?

Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

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