Advanced Search

STANDARD LIFE INSURANCE
Standard Life Insurance (Life Insurance)
        
Life insurance lets you protect your family financially should the worst happen. Standard life is one of the UK's most respected insurers. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions you may have. Click here for more information.
Location: UK
Advantages:

1.. Quick - get a quote in minutes. Just answer eight simple questions 
2. Competitive – cover starts at just £5 a month 
3. Easy to apply - with our online application 
4. Guaranteed price - fixed payments throughout your plan 
5. Early payout for terminal illness - if you’re diagnosed with a terminal illness, you can ask for a reduced benefit to be paid out early instead
Disadvantages:
1. To receive the offer your first seven months’ payments must have been received by LV=. Your vouchers will be sent to you within 28 days of LV confirming to us that they have received seven months' payments 
2. There is no cash alternative or alternative choice of voucher available
3. If you stop paying premiums, your plan will stop after 60 days. This means you won’t be covered.
4. If you ask us to pay out your plan early because you’ve been diagnosed with a terminal illness, we’ll reduce the amount of cover we pay out by 3%. Y
5. This plan has no cash-in value at any time. 
6. The premium you pay includes a monthly administration charge of £2.00 
7. You can’t take out a plan that lasts for less than five years, or more than 45 years. 
8. Your plan must end before you reach age 85.
Services:
1. Life Insurance

Life Insurance Type: Life Insurance Provider
Person Information:
You must be between 17 and 69 years old

Policy Name: Standard Life Insurance
Policy Cost: From £5 a month
Policy Excess: Varies

Cover Type: Life Insurance
Cover Level: Level or Decreasing Cover
Cover Detail: 1. If you’re aged 55 or under when your plan starts the most cover you can apply for is £500,000. 
2. If you’re aged 56 to 65 when your plan starts, the most cover you can apply for is £300,000.
3. If you’re aged 66 or more when your plan starts the most cover you can apply for is £200,000. 
4. For joint life plans these limits apply to the older of you. For example if one of you is aged 50, and the other is aged 60, then the maximum amount of cover you can have for a joint life plan is £300,000 

 You can take out: 

1. Level cover - This means the amount of cover and the premium you pay is fixed when your plan starts, and doesn’t change. This means it won’t keep up with inflation and may buy less in the future. 
2. Decreasing cover - This type of cover is designed to cover the reducing amount that you owe on a capital and interest repayment mortgage. The amount of cover will go down each month, but the premium you pay is fixed when your plan starts and doesn’t change.

Suitable For:
For individual and joint life insurance plans
Restrictions:
1. This offer is only available to UK residents who are between 17 and 69 years of age. 
2. If you are diagnosed with a terminal illness in the last 12 months of your plan, we won’t pay a terminal illness claim.
Availability:
The offer is only available to UK residents who are between 17 and 69 years of age
Discounts:
n/a

Application Methods: Telephone, Online
Underwriter: Standard Life Client Management Limited
Pay Monthly: Yes
        

News and ChartsNEWS / CHARTS

For once we are seeing Car Insurance Prices Drop since 2014
31 August 2018 - Which Way To Pay
A statement released last week , states that Car Insurance can be dropping by as much as 11% .
Read More >>
Is Everything covered for that Big Day ? Wedding Insurance
31 August 2018 - Which Way To Pay
Planning your wedding is one of the happiest times in your life , however we always need to make sure that we are covered for every penny spent . Wedding Insurance is a Must
Read More >>
Forever monitoring your endowment policy ?
08 April 2017 - Which Way To Pay
If this is your case then why not sell your policy on to make yourself some cash , and get what its worth.
Read More >>