Customer Zone > Life Cover

Life Cover

What is Life Cover?

Life Cover pays a lump sum cash payment if you die or are diagnosed with a terminal illness (with a life expectancy of less than 12 months).

Get more from our Life Cover

Our Life Cover is available on a Whole of Life or fixed term basis.

More cover whilst we assess your application*

With our PruProtect Plan you’ll receive free cover at no extra cost whilst you’re waiting for your application to be assessed.

More cover before your mortgage starts*

If you are using your Life Cover to cover a loan financing a home, or alterations to an existing home, with our PruProtect Plan we may provide you with free Life Cover before your plan starts.

More reassurance with continuous cover

If you also have Serious Illness Cover, you can choose our Protected Life Cover option, which tops up just your Life Cover back to its original amount following a Serious Illness Cover Claim.

Plus - Life Cover for people with HIV

We are the first mainstream insurance company to provide Life Cover for people with HIV, of up to £250,000 for a maximum of ten years.

More rewards with our health and wellbeing partners

You get automatic membership to our unique Vitality programme which encourages you to get healthier by giving you discounts and rewards on a wide range of services currently including gyms, health screens, health resorts, cinemas and holidays.

Plus reduce your premiums every year*

We’re the only insurer that can reward you with lower premiums each year, without reducing your cover, if you look after your health with our Vitality programme.

* Not available with the Essentials Plan.


 

Fast facts

Min term5 years
Max termReviewable premiums 60 years
Guaranteed premiums 50 years
Min sum assured£10,000 subject to minimum premium
Max sum assured

£5,000,000
A higher capacity up to £10,000,000 may be available subject to meeting specified criteria*
Min entry age next birthday17
Max entry age next birthday75
Max expiry age/date
(not applicable to whole of life)		Age 80 exactly

* The total combined Serious Illness Cover and Disability Cover from us or any other provider cannot exceed £2,000,000

 

Other benefits and Vitality

Additional benefits and optionsVitality
 

 

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© 2010 Prudential Health Services Limited trading as PruProtect. All rights reserved.

PruHealth is a trading name of Prudential Health Limited and Prudential Health Services Limited. Registered numbers 5051523 and 5933141 respectively. PruProtect is a trading name of Prudential Health Services Limited and Prudential is a trading name of Prudential Assurance Company, registered number 15454. The Prudential Assurance Company Limited provides and manufactures benefits under the PruProtect plan. Prudential Health Limited provides and manufactures benefits under the PruHealth plan. Prudential Health Services Limited distributes and services all PruHealth and PruProtect products and issues the documentation. Companies registered in England and Wales. Registered offices at Laurence Pountney Hill, London EC4R 0HH. All companies authorised and regulated by the Financial Services Authority. The companies are not affiliated in any manner with Prudential Financial, Inc, a company whose principal place of business is in the United States of America.