You're happily single
Life Insurance provides for those you leave behind.
It can help them pay the rent or mortgage, put food on the table and pay the bills or it can be used to invest in your children’s education or other things you want for your family by paying a lump sum to the policy owner in the event of your death.
If you have Life Insurance with us we will pay a tax-free, lump sum to the owner of your policy if you die (or their estate if they have died too), or earlier if you’re diagnosed with a terminal illness.
If you already have Life Insurance with another Life Insurance company you can either:
Thinking about what life stage you’re at might help you get started if you’re stuck wondering what you need. Choose the option that best fits what you want to plan for, we’ll then let you know what other people planning for a similar future have asked for quotes on.
Yes, you can make changes to your policy. You can
- make a special event increase which means you may be able to increase your cover without asking for updated health information such as if you've gotten married, entered a civil union, divorced, or become a parent in the last six months of your policy.
To make any of these changes and others go to our Customer Support Section. Otherwise contact our customer service team on 0800 22 22 23.
Probably not – in fact less than 2% of customers who apply for cover need to visit a GP. Depending on your answers on the application form, we may require additional information from you or from your GP but this does not mean you have to visit them. We simply ask them to send us the relevant information from your medical file. Some GPs want to see or speak with you before they will release the information to us, we will let you know as soon as possible if this is the case.
Occasionally we may require you to see your GP to have a medical exam or to have a blood test done, but if this is the case we will discuss it with you first.
No. You can have as many policies as you like with as many companies as you like. If you have life insurance elsewhere, you may wish to look at switching it to Pinnacle Life and saving 20% on your premiums.
We have a range of tools to help you work out the right amount of cover for your needs. Use our calculator to get an estimate, or find out what level of cover others of your age and gender have asked for. You can also see what other people planning for a similar future to you have looked at.
To find out more about our products, and what needs they meet, please contact us on 0800 22 22 23 or by email and we’d be happy to advise you based on your current needs and circumstances.
Life and mortgage cover both pay out a lump sum amount in the event of death or diagnosis of terminal illness of the person insured. A terminal illness claim will be paid out if we accept medical evidence that the insured person has 12 months or less to live.
For a life cover policy we’ll pay the owner of the policy, for a mortgage cover policy we’ll pay the lending institution you nominated.
With a mortgage cover policy you will also be eligible for a 5% discount if you are taking out the policy within 3 months of getting your mortgage approved.
If you are diagnosed with a critical illness, this cover will pay you a tax-free lump sum. Some people use it to pay bills while they aren’t able to work, to help fund their treatment, or to get some extra help at home. It can help make your life easier while you are dealing with an illness.
Critical Illness covers you the first time you are diagnosed with any one of 24 different conditions. We also offer Serious Illness Cover which protects you the first time you are diagnosed with one of four serious conditions.
Life Insurance provides for those you leave behind and helps them after you are gone. Having life insurance means that those you care about can have some peace of mind around making sure the mortgage and the bills are paid at a time when everything else can seem tough. A life insurance policy helps your family maintain their lifestyle if you become terminally ill or if you die unexpectedly.
We can show you what insurance people planning for a similar future have asked about.
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