Life insurance guide

If you would like to ask us a question then please do not hesitate to call our customer service team on 0800 652 9758 from 8am to 9pm Monday to Friday, and from 9am to 3pm on Saturdays, or use our online comparison tool to get a quote.

Types of Policy

Level term life insurance
Mortgage protection life insurance
Level term life & critical illness insurance
Mortgage protection life & critical illness

Level term life insurance

• You choose the amount of cover you want and how long you would like the policy to run for.
• If you die during the policy term your insurer will pay the amount you are covered for.
• If you set up a joint policy (one policy to cover two people) the amount of cover is paid out if either person dies.
• The policy usually stops when a claim has been paid.
• These policies have no-cash in value at any time.

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Mortgage protection life insurance

• You choose the amount of cover you want and how long you would like the policy to run for.
• 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.
• If you set up a joint policy (one policy to cover two people) the amount of cover is paid out if either person dies.
• The policy usually stops when a claim has been paid.
• These policies have no cash in value at any time.

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Level term life & critical illness insurance

• You choose the amount of cover you want and how long you would like the policy to run for.
• If you die or are diagnosed with an earlier critical illness during the policy term your insurer will pay the amount you are covered for.
• The types of illness covered are Heart Attack, Stroke, Cancer and Multiple Sclerosis (the full list of illnesses covered are detailed by the insurers in their key feature document which is available on request).
• If you set up a joint point (one policy to cover two people) the amount of cover is paid out if either person claims.
• The policy usually stops when a claim has been paid.
• These policies have no cash in value at any time.

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Mortgage protection life & critical illness

• You choose the amount of cover you want and how long you would like the policy to run for.
• 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 or are diagnosed with an earlier critical illness during the policy term your insurer will pay the amount you are covered for.
• The types of illness covered are Heart Attack, Stroke, Cancer and Multiple Sclerosis (the full list of illnesses covered are detailed by the insurers in their key feature document which is available on request).
• If you set up a joint point (one policy to cover two people) the amount of cover is paid out if either person claims.
• The policy usually stops when a claim has been paid.
• These policies have no cash in value at any time.

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Terms and conditions apply. [Before applying for a policy you will receive a key features document which contains more details on the policy].

uSwitch Life Insurance is a trading style of uSwitch Ltd (No. 03612689). Registered in England and Wales at 111 Buckingham Palace Road, London SW1W 0SR. Authorised and regulated by the Financial Services Authority.

uSwitch Life Insurance is provided and administered by Direct Life & Pension Services Ltd, who are authorised and regulated by the Financial Services Authority. Registered Office; Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX. Registration number 2467691.

Direct Life & Pension Services Ltd may record telephone calls for quality assurance purposes

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