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What's life insurance?

It's a way to support your loved ones financially when you're gone with a lump sum payout.

You choose from two types of cover - Level and Decreasing - and how long you want the policy for. This helps determine your premiums and the cover amount.

Level cover

You pay the same each month for however long the policy lasts, and the cover amount is fixed
You might want this to help maintain your family's living standards and cover monthly bills, or to help pay off an interest-only mortgage

Decreasing cover

You pay the same each month for however long the policy lasts, and the cover amount decreases
This has repayment mortgages and long-term loans in mind, as the cover amount decreases as the amount you owe goes down. So the idea is it should be enough to pay off what's owed

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Flexible life insurance

No admin fees, ever

Friendly claims team, 98.6% of life insurance claims paid in 2019

Life insurance cover information.

What we cover

Life insurance policy summary (PDF)

Life insurance policy conditions (PDF)

Here's what you get with our life insurance:

A tax free lump sum up to £750,000 if you die during the policy term. We only pay out once, and the policy ends after that.
Cover from one to 50 years (up to age 90) - you choose, we're flexible.
An early payout is possible if you're diagnosed with a terminal illness which meets our definition before the last 12 months of the policy, and aren't expected to live longer than 12 months.

There is no cash-in value.

Who we cover

You can apply if you're:

aged between 18 and 59

living in the UK and meet our residency requirements, full details can be found in the policy conditions

Critical illness cover

For even more peace of mind, we've made it easy to add critical illness cover when you apply for life insurance. They're separate policies, so two payouts are possible.

What's critical illness cover?

It's a way of preparing financially for the future. You get a lump sum payout if you're diagnosed with a critical illness that's listed in your policy and can use the money however you need to - so you can focus on your health and worry less about paying the bills.

Here's what you get with our critical illness cover:

A tax-free lump sum payment

If you or someone on the policy meets our definition for one of the 33 critical illnesses covered.
We only pay out the main benefit once, and the policy ends after that.

This policy won't pay out if you die: that's what life insurance is for.
It has no cash-in value.

Cover for five to 50 years (up to age 75) Cover for children included

If they're diagnosed with a critical illness covered by the policy, we'll pay up to £25,000, or 50% of the cover amount, whichever is lower. If we pay a claim for children's cover the policy will continue and you could still make a claim in the future.

A choice of level or decreasing cover

Level cover:

You pay the same each month, and the payout amount is fixed. You might want this to help cover things like bills, childcare costs, mortgage or rent payments, or any treatment costs.

Decreasing cover:

You pay the same each month, and the payout amount decreases, as it's meant to help cover things like repayment mortgages and long-term loans, where what you owe decreases over time.

Extra critical illness benefit

Claim for two additional critical illnesses, we'll pay up to £25,000, or 25% of the cover amount, whichever is lower.
If we pay a claim for these extra benefits, the policy won't end.

Critical illness cover policy summary (PDF)

Critical illness cover policy conditions (PDF)

Remember: you can have different cover types and amounts for your life insurance and critical illness policies, as they're not combined.

Make a claim

If you or your loved ones need to make a claim on your policy, we're here to help. Call us Monday to Friday 8am to 6pm, or Saturday, 8am to 2pm.

Call us on 0800 015 1142

Calls to 0800 numbers from UK landlines and mobiles are free. Calls may be monitored or recorded.

Our claims team are on hand to:

Give guidance and support every step of the way
Review the claim and ask for any extra information

Pay out the lump sum once the claim is accepted

Your life. Covered.

Here's what you get with our life insurance:

A tax free lump sum up to £750,000 if you die during the policy term. We only pay out once, and the policy ends after that.
Cover from one to 50 years (up to age 90) - you choose, we're flexible.
An early payout is possible if you're diagnosed with a terminal illness which meets our definition before the last 12 months of the policy, and aren't expected to live longer than 12 months.

There is no cash-in value.

Life insurance policy summary (PDF)

Life insurance policy conditions (PDF)

You can apply if you're:

aged between 18 and 59

living in the UK and meet our residency requirements, full details can be found in the policy conditions

For even more peace of mind, we've made it easy to add critical illness cover when you apply for life insurance. They're separate policies, so two payouts are possible.

What's critical illness cover?

Here's what you get with our critical illness cover:

A tax-free lump sum payment - up to £500,000

If you or someone on the policy meets our definition for one of the 33 critical illnesses covered.
We only pay out the main benefit once, and the policy ends after that.

This policy won't pay out if you die: that's what life insurance is for.
It has no cash-in value.

Cover for five to 50 years (up to age 75) - you choose, we're flexible Cover for children included

If they're diagnosed with a critical illness covered by the policy, we'll pay up to £25,000, or 50% of the cover amount, whichever is lower. If we pay a claim for children's cover the policy will continue and you could still make a claim in the future.

A choice of level or decreasing cover - depending on what you want to cover

Level cover:

You pay the same each month, and the payout amount is fixed. You might want this to help cover things like bills, childcare costs, mortgage or rent payments, or any treatment costs.

Decreasing cover:

You pay the same each month, and the payout amount decreases, as it's meant to help cover things like repayment mortgages and long-term loans, where what you owe decreases over time.

Extra critical illness benefit

Claim for two additional critical illnesses, we'll pay up to £25,000, or 25% of the cover amount, whichever is lower.
If we pay a claim for these extra benefits, the policy won't end.

Critical illness cover policy summary (PDF)

Critical illness cover policy conditions (PDF)

Remember: you can have different cover types and amounts for your life insurance and critical illness policies, as they're not combined.

If you or your loved ones need to make a claim on your policy, we're here to help. Call us Monday to Friday 8am to 6pm, or Saturday, 8am to 2pm.

Call us on 0800 015 1142

Calls to 0800 numbers from UK landlines and mobiles are free. Calls may be monitored or recorded.

Our claims team are on hand to:

Give guidance and support every step of the way
Review the claim and ask for any extra information

Pay out the lump sum once the claim is accepted

Why choose Quotemehappy.com?

Manage your policy online

We can send you email updates rather than letters in the post.

No admin fees

We don't charge admin fees, even if you make changes to your policy.

Dedicated claims line

Expert claims team, ready to support you and your loved ones.

Make a claim

View your documents

It's quick and easy to see your policy documents, offers and discounts.