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With Cover Direct you can get life cover without the need for lengthy application forms, a medical or underwriting delays.

Cover Direct Offer:

• A quick and easy online application - covered in a few minutes

• Only 11 questions to complete with instant cover available

• Policies from as little as £5 per month

• Underwritten by Covéa Life Limited

Your Cover Direct Life Insurance plan will pay a lump sum of money if one of the lives covered dies during the term of the policy. All you need to do is choose how much cover you want, how long you would like to be covered for and whether you need level or decreasing cover.

These 2 options are explained below in order to help you make the right choice:

Level Cover

• Provides a one-off cash sum if you die within the cover period

• Also pays out if you should unfortunately be diagnosed with a terminal illness during the cover period

• The cover amount is fixed from the start date and won’t change

• Premiums are calculated at outset and remain the same over the term of the policy

• Also can be used to cover the fixed amount on an interest only mortgage or loan, where the amount you owe stays the same year on year

Decreasing cover

• Provides a one-off cash sum if you die within the cover period

• Also pays out if you should unfortunately be diagnosed with a terminal illness during the cover period

• This type of cover means that the cover amount will decrease monthly by an equivalent annual interest rate of 8% each year during the cover period

• Can be used to cover the reducing amount owed on a capital and interest repayment mortgage or loan, where the amount you owe decreases year on year

• Premiums are calculated at outset and remain the same over the term of the policy

Terminal illness

Level term insurance can also include a clause for terminal illness. This means that if you are diagnosed with one of the eligible illnesses and expected to die within 12 months, you and your family can enjoy a lump sum to help you get through those difficult months. Claims will be accepted in the final year of the policy provided that the life assured meets the TI definition. For decreasing cover the claim is accepted at the date it meets the terminal illness definition and the claim amount is calculated at the value of the last monthly decrease as at that date.

Fixed premiums

With this type of insurance, your premiums are fixed at the time you agree to the cover. As life insurance generally gets more expensive the older you become, getting a level term policy while you are still young and healthy can help you fix your payments at a more affordable level.