PruProtect Life Insurance

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About PruProtect life cover

PruProtect

PruProtect are one of the world's largest insurers, established in 1848.

PruProtect was launched in 2007 offering life insurance and serious illness cover - which is similar to Critical Illness Cover.

PruProtect reward its policy holders for keeping fit and healthy by reducing their monthly premiums with their Vitality programme.

Serious Illness cover is available from PruProtect which covers 100 conditions on a primary plan or 161 on a comprehensive plan.

Why buy PruProtect life insurance?

PruProtect offer a huge range of benefits and some fantastic extras for free:

  • Free terminal illness cover
  • Free cover during your application
  • Premiums guaranteed never to rise
  • Serious Illness covering 100 conditions at a basic level
  • Serious Illness covering 161 conditions at a comprehensive level
  • Free to write into Trust

99.4% approved 2

PruProtect paid out 99.4% of life claims made in 2010, equating to more than £101 million in total.2 With PruProtect's serious illness cover you are up to 76% more likely to receive a payout than you would be on a critical illness policy.3

The most common reason for an insurer not to pay out is incorrect policy details.

Whether you complete your application online or by phone our unique process ensures that the chances of a claim being declined are dramatically reduced.

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  • 3.00 stars3.00 stars3.00 stars3.00 stars3.00 stars (3.00 - Average)

    Not the best, took too long to get cover and changing details was a nightmare...

    Adrian F
  • 1.00 stars1.00 stars1.00 stars1.00 stars1.00 stars (1.00 - Bad)

    Hate this company!...

    Layla
  • 5.00 stars5.00 stars5.00 stars5.00 stars5.00 stars (5.00 - Very good)

    Pru are amazing, they offer serious illness cover which is like critical illness cover but MUCH BETT...

    Mike Mcarthur

What is life insurance?

Life insurance is the most simple, popular and cost effective way of protecting your family or mortgage in the event of your death. If you were to die during the term of your policy then you would have the peace of mind that your family will be left with a lump sum of money for financial protection.

The types of life insurance available

Family photo

There are different types of life insurance to choose from depending on what you need to cover.

If you would like to protect your family, a level term policy will provide a lump sum. For a repayment mortgage you can choose a decreasing term policy to provide cover in line with your mortgage.

Duration of life cover

Life insurance can be bought for a fixed term between 5 to 40 years and can run right up until your 90th birthday. If you need a longer policy, give us a call on 0800 524 4153 and we can run through the options available to you.

Covering your partner

Life insurance is available either as a single or a joint policy. If you were to take a joint policy for you and your partner, normally the insurer would pay out when the first person dies. Once the insurer has paid out the policy will finish, leaving the surviving partner uninsured.

The alternative is to take out two individual policies; this means you will both covered separately and the insurer will pay out for deaths. Running two policies can be more expensive but most insurers will give you extra discounts to help, give us a call to find out more about single or joint policies.

Life insurance prices

The cost of a life insurance policy is calculated based on your age, gender and if you are a smoker. Other factors that will affect your premium is how much you would like to be covered for, the type of policy (level or decreasing) that you are applying for and the length of time you wish to be insured for.

If you are unsure about the amount of cover or the length of time to take it over then you can use our Life insurance Calculator which will help you to work out the amount of cover that you need.

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