4.6 12,847 reviews on Trustpilot
Defaqto 5 Star Rated

Life cover for your familyfrom £5 a month

No medical exam, no nurse visit
Covered in about ten minutes, all online
Up to £750,000, price fixed for life

£100 gift card once you're coveredPaid after your third monthly premium

About a minute · No card details to see your price

One room

Same sofa.
Same window.
Fifteen years.

Drag through it. Everything in this room changes except the room.

Year oneNobody sleeps

Year twoFirst steps across the rug

Year sixHomework on the floor

Year elevenTaller than the sofa arm

Year sixteenCoat on, halfway out the door

Your cover runs the whole way

Work cover typically stops the day the job does. This doesn't. You set the term and the price never moves.

What it actually does

It buys them the ordinary

A policy is an abstraction until the day it isn't. Here is what a payout does in the weeks that follow, in plain terms.

The mortgage is cleared. Not reduced, not deferred. Gone, and the house stays theirs.
Nobody goes back to work at six weeks. There is money coming in while there is still grieving to do.
The kids stay put. Same house, same school, same friends, in the year they need them most.
Admin waits its turn. No phone calls to the bank in the same week as a funeral.

Most parents with a mortgage choose£200,000around £10.80 a month at 35, non-smoker

The bit nobody mentions

Death in service was never meant to be the plan

It is a benefit your employer buys, not cover you own. Typically two to four times salary, and it stops the day you leave.

Work coverabout 3× salary

Mortgage plus raising a child25 years

Change employer, go freelance, get made redundant, and it leaves with you.

Real families

The people who needed it

The point of a policy is the day someone has to use it.

It didn't take the loss away. It meant I wasn't ringing the bank in the same week I was arranging a funeral.

Rachel C. · Sheffield

The mortgage was cleared within the month. The girls stayed in their school, in their house, with their friends. That was everything.

Tom A. · Cardiff

He set it up when Ellie was born and never mentioned it again. Eleven years later it was the reason we were alright.

Sarah M. · Newcastle

Reviews

4.6 from 12,847 people

Assumed the cover through work had us sorted. Turned out it was about eighteen months of the mortgage. Sorted properly in a lunch break.

Marcus T. · Leeds

Did the whole thing on my phone while feeding the baby at 4am. No forms to print, no nurse visit, nobody ringing me.

Priya S. · Reading

Changed jobs last year and only then realised the old cover had gone with it. Wish I'd had my own from the start.

Dan H. · Glasgow

How it works

Covered in about ten minutes

A few questionsYour family, your mortgage, your health. No exam, no nurse.
Your price, straight awayMove the cover level until the monthly figure fits.
Covered todayFinish and your cover starts. 30 days to change your mind.

Fifteen years go quickly.

Take a minute now and it's handled for all of them.

£100 gift card once you're covered