If your family relies on the money you earn,what’s the plan if something happens to you?

At There we’re experts in life insurance.
We offer two types of cover. You can choose just one or have both.

Too ill to work cover

This insurance pays you a monthly amount for up to 5 years if you are unable to do your job due to illness or injury, big or small, for more than 1 or 3 months.

  • We’ll pay you money each month if you’re unable to do your job due to illness or injury for more than 1 or 3 months, you choose which when you take out the plan.
  • If you claim, the maximum total payments we’ll pay you is 60 months. This will be either as one long claim, or a number of shorter claims totalling 60 months.
  • Once your claim is agreed, we’ll carry on paying until you’re well enough to return to your current job (not just any job), you’re working 16 or more hours a week in a different job, you reach age 65, you die or you’ve received a total of 60 months’ worth of payments, whichever is sooner.
  • Payments are currently tax free (of course the tax man could change this). 
  • All injuries and illnesses are covered - mental or physical - provided you’re unable to do your job (not just any job) at the time of claim.
  • We’ll still cover you if you change job or become self-employed, as long as you work more than 16 hours a week.
  • If there is anything we cannot cover, then we’ll let you know before you buy. 
  • You’re covered in 41 countries.

See the Our Cover page for more details and benefits.

Get a Quick Quote
Life cover

This insurance pays out a lump sum to your family if you were to die during the length of the plan.

  • We pay a cash lump sum if you die before your cover ends.
  • You’re covered if you die anywhere in the world, whether from natural causes or as a result of an accident.
  • You can rest assured that we’ll even pay out if you die following an act of terrorism, war or natural disaster.

See the Our Cover page for more details and benefits.

Get a Quick Quote
  • See how it works

  • Cheaper than you think

    Set your cover to suit your budget. Try it and see

  • Buy online today

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  • See what our customers think

    “Keep doing what you’re doing, you do it well.”

    Mr W, Lancashire

    “Everything was very well dealt with.”

    Ms P, Merseyside

    “They were unfailingly polite, courteous and patient”

    Mr P, Buckinghamshire

    “Staff always helpful;” “more than happy.”

    Mr E, Essex

    “I feel I had all the help I needed professionally and quickly.”

    Mr G, Coventry

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01892 576000

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Tell us four things about you and adjust the sliders

1 About you


Type the first three letters of your job and then select from the list. Type the title that best describes your day to day role.

2 Your Too ill to work cover

For this cover, you need to work 16 hours or more a week

How much money would you need a month if you were too ill to do your job?


For this cover you need to have an annual gross income of £ 4,800 or more

Maximum cover: £1,250 per month

Choose 1 or 3 months

Choose 1 or 3 months

3 Your Life cover

How much of a lump sum would your family need if you were to die?


Maximum cover: £500,000

Your Quick Quote


per month

please enter details above.

Your Quick Quote shows you the monthly premium based on the assumption that you are in good health.

A Full Quote shows you the monthly premium that’s based on your personal health and lifestyle.

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