Protecting what matters most

Good advice leads to peace of mind. You should talk to us in order to make an informed decision about the best cover for your current needs. Check out our discounts for a limited time. T&C’s apply.

Some of the factors you will need to consider are –

Your needs will change as you go through life

When you are single, you only have to consider protecting yourself
financially. When you get married and have a family, you’ll want to
protect them. When you buy a home or start a business, you’ll want
to protect your investment and the people you employ.
You might just need one type of cover or you might need to mix and
match plans to suit you better

How much cover do you need?

Everyone’s situation is different. When working out how much cover
you should plan for, it may be helpful to figure out how much money
you or your family would need each month if you were unable
to earn an income. You can do this by writing out a simple list of
monthly expenses like your mortgage repayments, your groceries,
energy bills, childcare and socialising costs.
Then, decide how long you want the cover to last, for example, until
your children are finished college.
Remember that your circumstances will change over time so if you
have an existing plan, it may be worth reviewing it now.

How much will it cost you?

The cost of your Life cover will take into account the following factors:

Your age

Your health

If you smoke

Your term
of cover

The benefits
you choose

It is beneficial to take out the cover you need as early as
you can. As you get older, taking out a new policy is likely
to be more expensive.

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