So long as you have not been diagnosed as having suffered from a heart attack, stroke or cancer in the last five years or been diagnosed as having a terminal medical condition, we guarantee to accept your application.

The amount of cover on death will depend on your age when the policy starts, the size of premium and whether you are male or female. When choosing how much cover to select, please remember that inflation will reduce the buying power of the life cover over time. During the first 12 months the amount paid out in the event of death by natural causes is restricted to a return of premiums, although twice the life cover is paid during this period in the event of accidental death.

If you nominate a payee, up to £5,000 may be paid to them without the need to wait for probate. This may help them meet funeral expenses, burial costs or other expenses. Full details of how to nominate a beneficiary will be included in your policy welcome pack. Please note, however, this is a whole of life assurance plan, not a funeral payment plan.

All death benefits will be paid free of tax, but the benefits could be subject to inheritance tax if the deceased's estate exceeds the tax threshold. Like other whole of life insurance plans of this type, depending on how long your policy is in force, you may pay more in premiums than the plan would pay out on death. Remember the policy has no cash-in value and if you stop paying your premiums your cover may cease.

To see how much cover you could receive, click here

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