LIFE INSURANCE
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COMPARE THE MARKET - Life Cover and Mortgage Protection Rates
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  • This is the Lowest Premium returned from our Quote Engine for the details you have entered.
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Cover Details
Type of Cover:* Type of Cover:

1. Life Cover
  • You choose the amount of cover you want and how long you would like the policy to run for.
  • If you die during the policy term your insurer will pay the amount you are covered for.
  • If you set up a joint policy (one policy to cover two people) the amount of cover is paid out on the first death or on each death.
  • The policy stops when a claim has been paid. These policies have no cash in value at any time.
2. Mortgage Protection
  • This is a form of life insurance product, which lenders must make sure you have in place when you take out a mortgage on your family home and if you are under 50 years of age. Your mortgage protection policy pays off the outstanding amount due on your mortgage if you die.
  • You choose the amount of cover you want and how long you would like the policy to run for.
  • The amount of cover reduces each month during the policy term and is calculated to be enough to equal the capital outstanding under a normal repayment mortgage.
  • If you die during the policy term your insurer will pay the calculated amount of cover at that time.
  • If you set up a joint policy (one policy to cover two people) the amount of cover is paid out on the first death or on each death.
  • The policy stops when a claim has been paid. These policies have no cash in value at any time.
Term of Cover:* Term of Cover:

  • Please select the length (in years) that you want the cover to run for. Please note that you must be at least 18 years of age to purchase cover. When choosing a Decreasing Mortgage Term policy, the Term of Cover must mirror the time period left on the mortgage.
Single or Joint Cover:* Single Life or Joint Life Cover:

1. Single Life Cover
  • This is a type of life insurance policy that cover only on one persons life, such as you.
  • Is payable on their death during the term of the policy
2. Joint Cover
  • This is a type of life insurance policy that covers two lives, such as you and your spouse, child or business partner. It pays out the benefit only once, either you or your partner dies while the policy is in force.
First Life to be Covered
Amount of Cover Required:* Amount of Cover Required:

  • Please select the amount that you would like to be covered for the First Life.
Date of Birth:* Date of Birth:

  • Please select the Date of Birth of the First Life to be covered.
Sex:* Sex:

  • Please select the Sex of the First Life to be covered.
Have you Smoked or used any Tobacco products in the last 12 months?:* Smoker?:

  • Please select whether the First Life to be covered is a Non-Smoker or Smoker.
  • A Non-Smoker is a person who has not smoked any form of *tobacco within the last twelve months and does not intend doing so in the future.
  • *Tobacco products include cigarettes, cigars, pipes or nicotine replacements
Contact Details
First Name:* First Name:

  • Please enter your First Name here.
Last Name:* Last Name:

  • Please enter your Last Name here.
Mobile Phone:* Mobile Phone:

  • Please enter your Mobile Phone Number here.
Email:* Email:

  • Please enter your Email Address here.
Additional Cover Options
Conversion Options?:* Conversion Options?:

1. No - Conversion Option
  • This indicates that the policy is not convertible. (This is by far the most common value – it indicates that when the term of the policy is reached, that the policy expires, and if the policyholder wishes to take out a new policy, they will have to re-apply for a policy (and go through the underwriting process again).
2. Yes - Conversion Option
  • This indicates that the policy can be converted into a “whole of life” policy without the policyholder having to go through the underwriting process again. It is more expensive than a non-convertible policy.
Indexed?:* Indexed?:

Indexation refers to the property of a policy where the premium and benefit amounts increase yearly, in line with inflation (to preserve the real benefit of the policy).

1. Level Premium
  • This indicates a level premium case (not indexed).
2. Indexed Premium
  • This indicates an an indexed case.
Include Serious Illness?: Include Serious Illness:

1. Accelerated Basis
  • This indicates that the serious illness is on an Accelerated basis (a claim will reduce the life cover sum assured by the amount of the serious illness amount. If they are equal).
2. Standalone Basis
  • This indicates that the serious illness is on a “Standalone” basis – the life cover and serious illness benefits are independent and a Serious Illness claim will not affect the life cover amount. This is more expensive than Serious Illness on an accelerated basis.
Payment Frequency:* Payment Frequency:

  • This indicates if the premium is paid monthly or yearly.
Important Terms and Conditions

Terms of Business (.pdf)		 Important Terms and Conditions:

  • Please read the Terms and Conditions carefully before running your life insurance quote.
*I have read and agree to the Terms and Conditions
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