You must be a UK resident, at least 18 at the time of applying, and no older than 74.

Our life insurance premiums can cost as little as £6 per month – that’s the equivalent to 20p a day. Your individual premium will depend on your own needs and circumstances.

It depends on your individual circumstances. You may want to think about leaving a lump sum to your dependents or help clear an outstanding mortgage if you die.

You can add Critical Illness Cover (CIC). Our mortgage advisers will talk you through the options and costs.

Yes. Putting your plan in trust can help to make sure that the right people get the policy proceeds if there’s a claim. It can also help to reduce Inheritance Tax, and a payout when the policy is in trust is generally quicker than one when a grant of probate is needed. It’s a good idea to put your policy in trust at the outset, but you can do so at any time.

Yes, you can cancel your policy at any point throughout its lifetime. If you cancel within 30 days from the start of the policy, we’ll return any premium you’ve paid. If you cancel after 30 days, you won’t get back any of the payments you’ve already made, but you won’t need to make any future payments.

We’ll give an indicative price based on a number of things, including your age, amount of cover needed, length of term, whether you’re taking out a single life or a joint policy and whether you smoke. To finalise the price, we’ll also ask more detailed questions about your health and lifestyle and the premium could rise based on your answers. In some cases, we might ask for information from your doctor. When we have all the details we need, we’ll set a start date for the policy – this could be the same date as your mortgage starts.

The cost of life insurance is affected by lots of things, including your health, age and whether you smoke. One of the key drivers is the rates of death and sickness over the duration of the policy.