Put simply, life insurance helps to provide financial protection for your family by paying out a lump sum that helps them to cope financially if you pass away during the term of your policy.

Getting a quote is quick and easy, and our flexible protection is available from just £5 a month – so it might cost less than you think. The price you will pay depends on the level of cover selected and your personal circumstances.

You can get a quote for level cover or decreasing cover. Both are term insurance policies, meaning they offer protection for your loved ones for a fixed amount of time.

Choose a lump sum to leave behind for your loved ones, and select how long you want your cover to run for. You’ll then pay the same amount each month until your policy ends.

This lump sum can help to maintain the living standards of loved ones. It could be used to pay off an interest-only mortgage, or to go towards general living costs and monthly outgoings, such as rent.

Level cover could be a good option if you're looking to help :

• Maintain your loved ones' living standards

• With health and living costs if you become terminally ill

• Pay your children's school or university fees

• Continue to keep up mortgage repayments

• Pay off an interest-only mortgage.

If you choose this option, the maximum annual increase would be 15% to your premium and 10% to your cover.

You might choose this type of cover to help your loved ones pay off a repayment mortgage or long-term loan if you pass away at any time during the policy term.

The cover lasts for a specific length of time, and your monthly premiums are fixed, unless you make any changes to your policy

The value of what you’re paying off gradually decreases over time, and so does the cover. That’s why it usually costs less than level cover.