Life cover is the protection insurance that most of us know about, it pays out if you die, or if you are diagnosed with a terminal illness before the last 12 months of your plan.

There might be a mortgage to be paid or household bills to meet but no income to pay for 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
The choices you make will depend on your own particular circumstances.

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
• A level monthly income
• An increasing monthly income
  

You can also choose who is covered:

• Just yourself
• Just your partner
• Both you and your partner (one potential payout)
• Both you and your partner - (two potential payouts)

You can also add other covers to your plan to give you the right amount and type of cover for your own circumstances.

Whatever you choose it means only one application form and one payment regardless of the covers you choose. This means less paperwork and less hassle.