It’s a fact that most of us will have to come to terms with how we might cope if our partner dies unexpectedly, or how our dependants would cope if something happened to us.

It would be great to know that we’d done everything we could to minimise the financial impact. There might be a mortgage to be paid, or household bills to meet but no income to pay them.

 

The right amount of Life Cover makes sure that, even though it will be an emotional and difficult time, all these things are taken care of if the person who is covered dies.

Your choices

It goes without saying that the choices you make will depend on your own particular circumstances.

When you make a claim you can choose to have Life Cover paid in any of the following ways:

• A level lump sum
• An increasing lump sum
• A decreasing lump sum

And you can choose Life Cover for:

 

• just yourself - this is called 'single life'

or

• for yourself and your partner - this is called 'joint life' (and this gives you one potential payout).