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| Question | You answered |
|---|---|
| {{answer.label}} Edit | {{answer.value}} |
Your chosen policy overview
{{selectedQuote.Provider | getProviderName}} {{selectedQuote.productTypeID | getFriendlyProductName }}£{{selectedQuote.CoverAmount | numberWithCommas}} Life cover
£{{selectedQuote.CICCoverAmount | numberWithCommas}} Critical illness Cover
£{{selectedQuote.CoverAmount | numberWithCommas}} total cover
{{selectedQuote.Term}} year term - {{selectedQuote.PaymentIndexation | getLevelDecreasing}} Payment
£{{selectedQuote.Premium | splitPricePounds }}.{{selectedQuote.Premium | splitPricePence}} per month (Direct Debit) Your Policy Details
Choose another policyBuy your policy
We just need payment details to get you started, and then your policy will start immediately
Your first payment will be taken up to two weeks after the policy is in place.
Direct Debit Payment:
The Direct Debit Guarantee
This guarantee is offered by all banks and building societies that accept instructions to pay Direct Debit.
If there are any changes to the amount, date or interval of your Direct Debit Aviva Life & Pensions UK Limited will notify you 5 working days in advance of your account being debited or as otherwise agreed. If you request Aviva Life & Pensions UK Limited to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
If an error is made in the payment of your Direct Debit, by Aviva Life & Pensions UK Limited or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society - if you receive a refund you are not entitled to, you must pay it back when Aviva Life & Pensions UK Limited asks you to.
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify Aviva Life & Pensions UK Limited.
This guarantee is offered by all banks and building societies that accept instructions to pay Direct Debit.
If there are any changes to the amount, date or interval of your Direct Debit {{selectedQuote.Provider | getProviderName}} will notify you 3 working days in advance of your account being debited or as otherwise agreed. If you request {{selectedQuote.Provider | getProviderName}} to collect a payment, confirmation of the amount and date will be given to you at the time of the request.
If an error is made in the payment of your Direct Debit, by {{selectedQuote.Provider | getProviderName}} or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society - if you receive a refund you are not entitled to, you must pay it back when {{selectedQuote.Provider | getProviderName}} asks you to.
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify {{selectedQuote.Provider | getProviderName}}.
Your chosen policy overview
{{selectedQuote.Provider | getProviderName}} {{selectedQuote.productTypeID | getFriendlyProductName }}£{{selectedQuote.CoverAmount | numberWithCommas}} Life cover
£{{selectedQuote.CICCoverAmount | numberWithCommas}} Critical illness Cover
£{{selectedQuote.CoverAmount | numberWithCommas}} total cover
{{selectedQuote.Term}} year term - {{selectedQuote.PaymentIndexation | getLevelDecreasing}} Payment
£{{selectedQuote.Premium | splitPricePounds }}.{{selectedQuote.Premium | splitPricePence}} per month (Direct Debit) Your Policy Details
Choose another policyYour quote results
Based on your answers, we can't provide estimates just yet. So it's time to call! Our advisers search the market (for free) to match you with policies that fit.
Your quote results
This price is guaranteed and approved by the insurer
By clicking ‘Apply with insurer’ you will be diverted to the insurers website to answer a full set of questions, to confirm your exact quote and proceed with your application. This price is indicative and may increase subject to your health & lifestyle.
Apply with insurer| % claims paid out: | {{selectedQuote.InsuranceProduct.ClaimsPaid}}% |
| Can be put into trust: | Yes No |
| Funeral pledge: | Yes No |
{{selectedQuote.Provider | getProviderName}} {{selectedQuote.productTypeID | getFriendlyProductName }}
Quick details
| Life Cover: | £{{selectedQuote.CoverAmount | numberWithCommas}} |
|---|---|
| Critical illness cover: | £{{selectedQuote.CICCoverAmount | numberWithCommas}} |
| Policy Length: | {{selectedQuote.Term}} years |
| Level/decreasing: | {{selectedQuote.CoverIndexation | getLevelDecreasing}} |
| Cover Amount: | £{{selectedQuote.CoverAmount | numberWithCommas}} |
|---|---|
| Policy Length: | {{selectedQuote.Term}} years |
| Level/decreasing: | {{selectedQuote.CoverIndexation | getLevelDecreasing}} |
| Critical illness cover: | £{{selectedQuote.CICCoverAmount | numberWithCommas}} |
Pays out in the event of:
- Death
- Terminal Illness
Pays out in the event of:
- Death
- Specified Critical or Serious Illness
- Terminal Illness
- Children's Critical Illness
Extra options / features
-
{{getIncludedOption(included)}}
{{getIncludedFullOption(included)}}
Pay out in event of:
- {{payoutEvent}}
About the insurer:
{{selectedQuote.InsuranceProduct.About}}
Lives Covered: {{selectedQuote.InsuranceProduct.LivesCovered | numberWithCommas}}
Established: {{selectedQuote.InsuranceProduct.EstablishmentYear}}
Let LifeSearch do the hard work
- Call us now or arrange a callback
- One conversation and we'll search the whole market for you
- We'll present you your best options and the decision's all yours
Or go direct to an insurer
- Based on your answers, here are indicative policies via our partners
- Go direct (but you'll need to apply all over again)
- Stay with LifeSearch for extra benefits and support
Critical Illness Cover
Critical Illness cover is a lump sum pay-out to help you cope if you’re diagnosed with, or struck by, something serious (as specified in your policy) such as cancer, a heart attack or a stroke.
Protect yourself with a payout if you get a serious, non-terminal illness that's listed in your policy.
In terms of how much cover you need there’s no right or wrong answer, just what feels right for you based on your circumstances & budget. For example, you may want to multiply your annual income by two or three. That way, if a critical illness leads you to being off work, you know you’re covered for two or three years at least.
Change your totals
Editing could change options or cost
Need help?
If you're even a little confused about anything, just call and we'll talk it through in plain English.
Call 0203 764 0292 Request a callbackBuy Now
You answered all questions so this price is guaranteed. If you buy now, it won’t change after your policy starts.
| Insurer | Price |
% Claims Paid Out
x
?
No one likes to think about needing to claim, but sadly people and families need to. On average over 99% of claims are paid out. |
Can be put into trust
x
?
A Trust allows you - and whoever you choose - to control what happens to your money after your death. The money is passed directly to your trustees and avoids probate - and so pays beneficiaries faster. They are generally more suited to single policies than joint ones. |
Funeral Pledge
x
?
If for any reason there's a delay in paying out the full amount, your provider will bridge the gap by paying at least £5,000 quickly to cover funeral expenses. Click on More Info below for further details. |
|
|---|---|---|---|---|---|
| £{{quote.Premium | splitPricePounds }}.{{quote.Premium | splitPricePence}} per month | {{quote.InsuranceProduct.ClaimsPaid}}% |
|
Apply Now
This price is only an estimate as the insurer needs more info. When you click through they’ll ask a few more questions.
| Insurer | Indicative Price |
% Claims Paid Out
x
?
No one likes to think about needing to claim, but sadly people and families need to. On average over 99% of claims are paid out. |
Can be put into trust
x
?
A Trust allows you - and whoever you choose - to control what happens to your money after your death. The money is passed directly to your trustees and avoids probate - and so pays beneficiaries faster. They are generally more suited to single policies than joint ones. |
Funeral Pledge
x
?
If for any reason there's a delay in paying out the full amount, your provider will bridge the gap by paying at least £5,000 quickly to cover funeral expenses. Click on More Info below for further details. |
|
|---|---|---|---|---|---|
| £{{quote.Premium | splitPricePounds }}.{{quote.Premium | splitPricePence}} per month | {{quote.InsuranceProduct.ClaimsPaid}}% |
|
Critical Illness Cover
Critical Illness cover is a lump sum pay-out to help you cope if you’re diagnosed with, or struck by, something serious (as specified in your policy) such as cancer, a heart attack or a stroke.
Protect yourself with a payout if you get a serious, non-terminal illness that's listed in your policy.
In terms of how much cover you need there’s no right or wrong answer, just what feels right for you based on your circumstances & budget. For example, you may want to multiply your annual income by two or three. That way, if a critical illness leads you to being off work, you know you’re covered for two or three years at least.
Change your totals
Editing could change options or cost
Why can't I see any policies?
The ideal life cover policy is out there for almost everyone but some things don't compute on the first go-around. For example:
- Your circumstances may be complex and require more detailed discussion.
- Your desired total amount cover or duration may be too high for an instant quote.
- It may be appropriate to connect you with a specialist insurer, one that this tool doesn't cover.
So get on the phone and ask our advisers
- Talk to a friendly adviser now or we can call you back whenever suits.
- You won't need to enter your details again - you already did that
- For free, your adviser will search the whole market to find the best deals for your health and lifestyle
- We advise, you decide. Armed with facts, you can take your time to weigh up your options and make a decision
- Ask about our free LifeSearch Care services, that help you and your family in times of need
Let LifeSearch do the hard work
- Call us now or arrange a callback
- One conversation and we'll search the whole market for you
- We'll present you your best options and the decision's all yours
Or go direct to an insurer
- Based on your answers, here are indicative policies via our partners
- Go direct (but you'll need to apply all over again)
- Stay with LifeSearch for extra benefits and support
Just so you know...
LifeSearch will use your information to understand your health and lifestyle, to offer you a life insurance policy that will pay if you pass away. It’s important to understand how we will use your information. More information can be found in our privacy policy.
You may be able to request that your information is deleted, or request a copy of the information we do hold. To find out more about your data protection rights, please visit the Information Commissioners Office website – www.ico.org.uk/your-data-matters.
LifeSearch have a team of advisers that can discuss your life insurance application and give you advice. You can call us on 0203 764 0292 to speak to an adviser.
It may also benefit you to speak to a trusted adult, such as a relative.
How much life cover should you have?
Plug in your commitments to understand what cover's good for you
Any mortgage left to pay?
How much have you left on any current mortgages in your name
Loans, credit cards & other debts
Total up all the non-mortgage debt you have: loans, credit cards, overdrafts and any other borrowing
Potential funeral costs
The average UK funeral costs between £4,000 and £5,000. If you have expensive tastes or a massive family, it may be more. Worth thinking about.
Childcare, school or higher education costs
You’ll know your childcare, private school or tuition fee obligations. But did you know it costs roughly £1,500 - £2,500 per year to fund one child through state school? There’s sports, activities, after school clubs, uniforms, travel expenses, technology (such as a laptop or iPad) to consider.
Additional lump sum
Life insurance covers your obligations and debt. A lump sum on top offers extra comfort and options for your family after you’ve gone
Existing life insurance, savings & investments
Total up any savings, investments and life insurance policies that you intend to keep. When you die your savings go towards your debt anyway - so it’s important you’re not ‘over-insured’. That’s just a waste of money.
Not sure about your calculation? We can help you choose the cover level to suit you with free advice here.
Remember, this only estimates how much you might need to help you make your decision.
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Insurers rely on the information you provide to give you the most accurate quote – so to avoid any future issues, such as not paying out or even potential cancellation of your policy, please answer the questions below as accurately as you can.
If you need help, you can speak to an expert LifeSearch adviser, just call us on 0203 764 0292. We’re here 7 days a week.
We need to ask you about work and play. These questions are important - as jobs, sports and hobbies do vary and can have an impact on the agreed cover amount, cover types and the monthly premiums for your policy.
One other thing, you don’t need to tell us about any predictive genetic tests, unless this application – together with any existing cover exceeds £500,000 of life insurance.
If your cover is over that, you only need to tell us about predictive genetic tests for Huntingdon’s disease.
This step is slightly longer than the others as it involves your health. Steps 4 and 5 won't take as long, then you will see your quotes.
Let’s talk family history. Don’t worry – if you aren’t sure, just select ‘Don’t Know’.
Once again, you don’t need to tell us about any predictive genetic tests unless this application, together with any existing cover, exceeds £500,000 of life insurance.
If your cover is over that, you only need to tell us about predictive genetic tests for Huntington’s disease.
Based on your answers so far, we can show you some policy estimates.
Before that, we just need to check you're OK on the marketing preferences front.
Changing these important answers will mean you'll need to answer the rest of process again.