It's important that you answer questions truthfully, accurately and completely.If you don't, this may result in your policy being amended, cancelled, or a claim not being paid.
You choose the amount of cover you want. If you die during the policy term your insurer will pay the amount you are covered for. The policy usually stops when a claim has been paid. These policies have no-cash in value at any time.
Mortgage life insurance
You choose the amount of cover you want and the amount of cover reduces each month during the policy term and is calculated to be enough to equal the capital outstanding under a normal repayment mortgage. If you die during the policy term your insurer will pay the calculated amount of cover at that time. The policy usually stops when a claim has been paid. These policies have no cash in value at any time.
You choose how long you want your policy to last. Think about the age of any children who depend on you financially or the time left on unprotected loan payments. If you're protecting your mortgage, consider the number of years left until your mortgage ends.
Amount of cover (also called total sum assured). This is the value that would be paid; For Level policies, the event of death (or diagnosis of terminal or specified critical illness if included). For Decreasing policies, the initial amount to cover your mortgage in the event of death (or diagnosis of terminal or specified critical illness if included). This amount decreases during the term and is designed to meet the outstanding amount of your mortgage at any point during the term.
You choose whether this policy is just to cover yourself or whether you would like to take out a joint application to cover both your life and someone else's life, such as a partner's life.
If you take out a joint application the policy will only pay out once when the first person dies (or diagnosis of terminal or specified critical illness if included) and meets our definition during the length of the policy.
Please enter your height (without shoes)
Please enter your weight (wearing indoor clothes)
A smoker is someone who has smoked any cigarettes, cigars, a pipe, used e-cigarettes (whether or not they contain nicotine), or used nicotine replacements at all in the last 12 months.
If you have smoked any cigarettes, cigars, a pipe, used e-cigarettes (whether or not they contain nicotine), or used nicotine replacements at all in the last 12 months you are classified as a smoker
Please enter the approximate units of alcohol consumed per week over the last or a typical month. A glass of wine (250ml) is 2.9 units, pint of ordinary strength beer 2 units, strong/premium beer or cider 3 units or single measure/shot of spirits or bottles of alcopops 1.5 units
You need to disclose if you have had treatment during the last 5 years from a doctor, nurse, psychiatrist, or counsellor as well as any regular ongoing treatment for conditions such as asthma and raised blood pressure. You do not need to disclose hay fever or outpatient-only treatment for injuries or sprains
By 'inherited condition' , we mean one or any of: Alports syndrome, Alzheimer's disease or dementia, Diabetes, Dysplastic naevus syndrome, Familial Adenomatous Polyposis of the colon (FAP), Familial Hypercholesterolaemia, Haemochromatosis, Hypertrophic Obstructive Cardiomyopathy (HOCM), Motor Neurone Disease, Multiple Sclerosis, Muscular Dystrophy, Parkinson's disease, Porphyria, Sub arachnoid haemorrhage or TIA, Tuberous sclerosis. If you're adopted or estranged from your family and do not know their medical history you can respond no to this question.
This includes any such diagnosis, treatment, referral or investigation/test you have ever had for these conditions.
You need to disclose if you have any current or recent symptoms you have experienced which are being investigated, about to be treated or for which you are intending to see a doctor, nurse, psychiatrist, or counsellor. You do not need to disclose such symptoms if you are planning to see or be treated by a chiropodist, chiropractor, dentist, osteopath or physiotherapist.
Extreme sports include activities such as advanced competitive skiing, base jumping, bungee jumping, canyoning, power boating, white water rafting and zorbing. You do not need to disclose : Ball games, horse riding, kite surfing, land boarding, mountain biking, sailing, winter holiday skiing for pleasure, surfing, water skiing or windsurfing.
Please refer to the Foreign and Commonwealth Office (FCO) www.fco.gov.uk/travel site and click on “Travel advice by country” if you are unsure about the security situation in a country you may visit. Where the FCO advises against any travel to any part of the country you should answer the question as Yes.
If the total amount of time spent in Africa, the Caribbean or Thailand, when added together for the last 5 years exceeds 90 days, you should answer Yes.
This includes recreational drugs which are not limited to cocaine, heroin, amphetamines, solvents, etc.
Even if you have been refused life insurance previously the provider may still be able to consider this application. You will be asked to provide some further details so that your application can be assessed.
You do not need to include life insurance which is part of a group scheme arranged by your employer (referred to as Death in Service or Group Life Schemes.)
MORE TH>N Life is arranged and administered by Direct Life & Pension Services Ltd, who are authorised and regulated by the Financial Conduct Authority.
Registered Office; Friars House, 52A East Street, Chichester, West Sussex PO19 1JG. Registered in England and Wales, number 2467691.