Life insurance helps you protect those you love, even when you're no longer around. Get your free no obligation quotes.
Life insurance pays out a lump sum of cash upon your death, so that your loved ones can carry on their lives, without added financial burden.
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There are various types of life insurance policy available. Standard life insurance, critical illness, mortgage cover, single or joint policies over various years. Request a call back from our advisors if you'd like some help.
It's a daunting thought, but with daily expenses and increasing costs in living, it is vital that you secure the future of those you love. Life Insurance will provide a lump sum to help with the mortgage and other household bills.
It's a daunting thought, but with daily expenses and increasing costs in living, it is vital that you secure the future of those you love - and this is exactly what Life Insurance is for.
Over 50s Life Insurance provides financial protection to your loved ones in the event of your death. No one likes to think about dying, which is why many of us either delay or fail to take out a policy when the time is right.
Without life insurance, the income you once provided for your family goes with you when you die. This could leave your family in a financial crisis at a time when they already have so much to cope with.
What length of life insurance policy should I choose?
Most people usually take out life insurance that lasts until some key date in the future. It could be when they intend to retire, when their mortgage is paid off, or when they feel their children may leave home.
Should I get a joint life or single life insurance policy?
Joint life insurance policies are available, but advisers will typically recommend two single life insurance policies as they usually cost hardly any extra and will provide double cover. (This means that if both people die together, both policies pay out, rather than just one joint policy).
Policies that include critical illness cover are almost certainly better split into two separate life insurance plans. For example, if one person is diagnosed with an illness like cancer, their partner will not want their insurance to be lost, which would be the case on a joint life, first claim policy.
Critical Illness Cover
If you are looking for a life insurance policy, then you might also want to consider adding critical illness cover. It’s a very popular option. Sadly, at least one in five men and one in six women will suffer from a serious medical condition at some stage in their lives.
How does critical illness insurance work?
Critical illness cover provides a lump-sum payment should you become seriously ill with a condition covered by your policy. Cover can be added to a life insurance or mortgage protection policy.
Most critical illness policies cover at least seven major medical conditions including cancer, heart attack, multiple sclerosis, stroke, major organ transplants and kidney failure.
The benefit is tax free and can be used to replace your income, help pay off your mortgage, help you cope with bills and living expenses and let you concentrate on getting better.
Mortgage Protection Insurance
If you have a partner, loved ones or dependents who rely on your income, and the house you live in is covered by a mortgage, then making plans as to how it will be paid in the event of your death is crucial. The solution to this problem is mortgage protection insurance.
Mortgage protection insurance, also known as mortgage life insurance and decreasing term life insurance, is designed to repay the outstanding balance of a standard repayment mortgage if you were to die during the period of cover. This means your family won't have to worry about continuing to pay the mortgage following your death.
What is the difference between decreasing term and level term life assurance?
Decreasing term life assurance is the cheapest form of life assurance. As time passes, and your mortgage debt reduces, the payout on death also reduces leaving your dependants with the money to pay the rest of the mortgage. Level term cover, which tends to be more expensive, pays out a set lump sum during the mortgage term.
UNISONProtect – Working for Working Families
UNISONProtect is a trading name of Union Income Benefit (UIB). We aim to provide working people and their families with access to greater financial security through insurance policies that protect against the financial impact of major life traumas.
So far more than 2.5 million trade union members have benefited from UNISON Protect products and years of experience. UNISON Protect UK-based operation is regulated by the Financial Conduct Authority and their commitment to the training and development of their staff has been recognised by Investors in People status since 2002.
At UIB we’re determined to offer customers the highest possible standards of services. UNISON Protect take pride in their clear information about the products and services they offer and, including fees and charges, and encourage you to ask if there’s something you don’t understand.
This policy is underwritten by Scottish Friendly Assurance Society Limited who is an award-winning insurer and has designed a high-quality insurance product to meet the needs of working people like you.
UNISON Protect Life Cover Offers:
Life Cover up to £50,000 cash lump sum
No medical questions - guaranteed acceptance
UNISON Protect Covers death from any cause after the first 2 years, if you die before age 69
Accidental death is covered immediately, subject to policy exclusions
No price increases - premiums stay the same throughout your cover
For UK residents aged 18-64
Things to consider
UNISON Protect Life Cover ends at age 69
Accidental death cover only for the first 2 years
There is no cash-in value at any time
The value of the cash lump sum may reduce with inflation
Your chosen level of cover meets your needs
We all wish a bright future for our loved ones. Hopefully we'll continue to be a big part of their story, but when a life is suddenly cut short, those left behind can often be left with an altogether darker prospect ahead.
The UNISON Protect Life Cover can help light the way forward and that starts straight away. The policy pays up to £50,000 if you die during the policy term, which can be used to cover immediate expenses, such as funeral costs. The policy covers death from any cause after the first 2 years, you will be covered immediately for accidental death subject to the exclusions. With so much else to deal with at this difficult time, sorting the short-term finances for your partner or children is just the first step towards getting their lives back on track.
But it's not the only way this UNISON Protect Life Cover can help them. It can also be a longer-term solution for any family who would struggle to pay bills, meet mortgage repayments, bring up the kids and keep meals on the table without your regular income.
It's about helping to keep things ticking over. It's about helping to take care of them, even when you're not around. It's about telling them you still love them.
• A cash lump sum payout of between £10,000 and £50,000 if you die during the policy term
• Covers death from any cause after the first 2 years (you will be covered immediately for accidental death subject to the exclusions listed in the documents )
• Guaranteed acceptance - as long as you're a UK resident and are aged between 18 to 64 at the policy start date, you’ll be covered with no medical questions asked
• Monthly cover until the first premium due date following your 69th birthday (following this cover will end and no cash lump sums will be payable)
• Premiums stay the same throughout your cover
Accidental death is covered from day 1 subject to certain exclusions listed. If you die within the first 2 years of natural causes including illness or from an accident where no claim is payable, all premiums you have paid will be refunded but no lump sum is payable.
Once you have held the policy for 2 years ANY cause of death is covered with no exclusions whatsoever.
Accidental death exclusions (first 2 years only):
• Self-inflicted injury, suicide or attempted suicide by You, regardless of the state of Your mental health;
• Participating in any criminal act;
• Participating in hazardous hobbies and pastimes; (Meaning engaging in private aviation, parachuting, motor sports (including motorcars, motorcycles and speedboats), sports underwater diving, caving/ potholing or mountaineering (other than hill walking, trekking, abseiling or artificial wall climbing);
• War (whether declared or not), riot or civil commotion;
• Taking drugs (unless these were prescribed by a UK registered Medical professional);
• Reckless consumption of alcohol (Consumption of alcohol such that it results in mental or physical impairment which causes the accident or results in you doing something you would not normally do without the influence of alcohol).
Cover ends at age 69
- Accidental death cover only for the first 2 years
- There is no cash-in value at any time
- The value of the cash lump sum may reduce with inflation
- Your chosen level of cover meets your needs
This policy is underwritten by Scottish Friendly Assurance Society Limited. For a full explanation of the terms and conditions please read the policy documents carefully.