Acceptance is guaranteed if you're aged between 50 and 79. If you're over 79, phone us and we'll arrange a Guaranteed Life Insurance quote.
Immediate accidental death cover
As soon as we receive your fully completed application form, you're covered immediately for death caused by an accident.
Full cover after two years
After two years, full cover is provided for death of natural causes, along with a terminal illness benefit.
If you are diagnosed as terminally ill and have less than 12 months to live, we will payout the full cover level early so that you can enjoy it in the time you have left.
100% refund of premiums if you die of natural causes within the first two years of your policy.
Money is paid tax-free
It's a lump sum payout just like full life insurance. There is no income tax paid on the policy payout so you get all of the amount you are covered for.
Reach of insurance cover
You're covered anywhere in the world.
After two years full cover is provided for accidental death and death of natural causes, along with a terminal illness benefit. If you are diagnosed as terminally ill, we will pay out the full cover level early so that you can enjoy it in the time you have left.
Fixed premiums and cover
Both your premium and cover level will stay the same for the life of the policy.
30-day no-obligation review
You enjoy a 30-day no-obligation review - if it's not what you expected or you change your mind we'll cancel your guaranteed life insurance policy and refund any premiums paid.
Easy application process
You do not need a medical, nor do you need to answer any medical questions.
Cover provided and stand down period
Guaranteed Life Insurance provides immediate accidental death cover from the day your fully completed acceptance form is received. If you die due to natural causes in the first two years, you won't receive a claim payment, but all your premiums paid will be refunded. After two years, full cover is provided for accidental death and death of natural causes, along with a terminal illness benefit. If you are diagnosed as terminally ill and have less than 12 months to live, we will payout the full cover level early so that you can enjoy it in the time you have left.
What isn't covered
A claim will be refused if the person insured commits suicide within the first 24 months of the policy start date (or within 24 months of the restart date if the policy lapsed for some reason).
Level of cover reductions and premium increases
Your life insurance cover level and premiums are fixed for life, even if your health deteriorates. They won't be changed unless you want them to be.
Premiums can be paid monthly (direct debit and credit card only), quarterly, half-yearly or annually by direct debit, credit card or cheque.
How to make a claim
You, or the person looking after your affairs, will need to contact us on 0800 808 175 to inform us of your illness or death so we can start the claim process. For a claim on the terminal illness benefit, we'll need your doctor's contact details, so we can confirm your prognosis. We'll also need proof of age (passport, driver licence or birth certificate), the policy document and the completed claim form.
For a death claim, we'll need the date of death, cause of death and contact details for the administrator of your estate, e.g. solicitor or a family member. We'll contact the administrator of the estate for any further information needed to process the claim, such as:
- the completed claim form
- the death certificate
- proof of age - passport, driver licence or birth certificate
- the policy document
- your will (if you have one) - this will not be required if you have selected a second owner
- any medical information
We may also require Probate or Letters of Administration (legal documents required if you have more than $15,000 worth of cover going to your estate).
Once these documents are received and the claim is accepted, it will be settled immediately. The payout will go to your estate or second owner, the person you've chosen to receive the payment.