Life Essentials

Life Essentials

Reasons to recommend

  • Covers kept separate with our dual life approach
  • Premium Waiver included as standard with 26-week deferred period
  • Optional children’s critical illness cover
  • Payout Planner
  • Part of our Protection Menu
  • Lifestyle promise for smokers
  • Immediate Cover up to £300,000
  • HALO claims service
  • Guardian Anytime


For families sticking to a budget, getting the right protection is key. That’s where Life Essentials shines.

Life Essentials offers cover for just the essentials, so it’s there for families when they need it but a lower premium also means their money stretches further. So, if they’re watching their outgoings, or want to make their budget stretch to extra covers, Life Essentials matches their needs perfectly.


Single life or dual life



Pay outs

Lump sum

Type of cover

Level Cover, Increasing Cover (CPIH) and Decreasing Cover (8%)

Dual Life
Dual Life

We don’t offer joint life policies. Instead, we offer a dual life approach where both partners’ cover is kept separate. That way if either partner dies the other partner’s cover remains in place. Our dual life approach still only requires a single quote, application and direct debit.

Premium waiver
Premium waiver

Premium Waiver comes as standard with every policy regardless of a client’s age, job or activities. So if we offer someone cover, they automatically get waiver.

With Life Essentials, Premium Waiver is included as standard if your client is too ill to work after a 26-week deferred period.

Optional children’s critical illness protection
Optional children’s critical illness protection

Life Essentials policyholders can add Children’s Critical Illness Protection to their adult policy anytime. They can select any amount between £10,000 and £100,000, limited to the parent’s cover amount.

Payout Planner
Payout Planner

Payout Planner allows your clients to nominate up to 9 beneficiaries when they apply. It’s simple. It’s quick. And it means we can promptly pay the people your clients wanted the money to go to without waiting for probate to be granted.


Life Essentials is part of our Protection Menu. So, you can combine with our other cover types to create a single policy that meets your client’s needs perfectly.

Lifestyle promise
Lifestyle promise

We may be able to reduce a client’s premium if they were paying an increased amount due to smoking and they subsequently stop smoking.

Immediate cover
Immediate cover

If your clients’ cover can’t start right away, we may put Immediate Cover in place for them. This is temporary cover, of the same type you’ve applied for, and it starts as soon as you submit the application online to make sure there are no gaps in your clients’ protection.

Immediate Cover pays out a maximum of £300, 000 before we offer terms.

Immediate Cover is different for Life Protection.

Guaranteed increase option
Guaranteed increase option

We offer most policyholders the chance to add to their cover with no underwriting, no medical evidence, no application form and no age limit.

Policyholders who have the guaranteed increase option on their policy can add to their cover with no underwriting, no medical evidence, no application form, and no age limit. See policy terms and conditions for more details.

Anniversary Emails
Anniversary Emails

Our anniversary emails remind clients of the benefits of their policy, including the additional benefits they can use anytime. It also prompts them to speak to their Financial Adviser if their circumstances have changed. You can view a copy of the emails your clients will receive each policy anniversary below, depending on if they have level or increasing cover.

Find out how Life Essentials and Life Protection compare.


We don’t have a set list of additional services when people claim. Our approach is much more personal, and we call it HALO. Our claims specialists listen to each claimant’s concerns, identify the exact help they need, and through our network of medical and legal experts, make it happen. It’s an extraordinary service, because there’s no such thing as an ordinary claim.

We’re not just here for policyholders when they need to claim. All our customers get free
additional benefits – anytime. This includes 24/7 GP consultations over the phone from anywhere in the world, UK-based face-to-face second medical opinions, over the phone consultations for emotional wellbeing and aches and pains.




Stand-alone<br/>Life Protection

Life Protection