Life Insurance

Provided by Legal & General

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Overview

Exclusive offers for Nectar card holders

  • $65 ACB Financial Gift Card to treat yourself*
  • Double Nectar points for 2 years at ACB Financial**
  • Discounted premiums - please note premiums will not drop below $5 a month

Offers available to Nectar card holders who take out a new policy by 26th December 2016. Gift card issued 4 months after your policy start date. Conditions apply, please see below for details.

Additional benefits of ACB Financial Life Insurance

  • Choice - you choose the amount and length of cover
  • Flexibility – increase your cover as your lifestyle changes (conditions apply)
  • Joint cover option - for you and your partner
  • Lower premiums - for non-smokers
  • UK based call centres - with a designated member of Legal & General's specialist team to manage your claim
  • Access to Healthy Living – a clever online tool that allows you to monitor and help improve your health.

This is not a savings or investment product, and has no cash value until a valid claim is made. If you stop paying premiums before the end of the plan, your cover will end 30 days after your missed payment.

Choose from three types of cover

  1. Level term life insurance
  2. Mortgage term insurance
  3. Mortgage decreasing term insurance

Simply click on the "level term" and "mortgage protection" tabs above to learn more about the products.

Plus for an additional premium you can add Critical Illness Cover to your policy.

How much cover?

Not sure how much life cover you need - our online life insurance calculator could help you decide in four easy steps. Try it now.

It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor.

Level term

 

Your family may need help paying for everyday expenses such as bills or child care costs if you die during the policy term. Life term insurance is a straight forward way to help provide a financial safety net for your family.

If you are looking for mortgage protection only, you may want to read about our mortgage insurance products instead.

Summary of features

  • Your policy could pay out a cash sum if you die during the term
  • The cash sum will remain the same throughout the policy term unless you increase your cover
  • Your monthly payments will also remain the same, unless you alter your policy
  • Early payment if you are diagnosed with a terminal illness, except during the last 12 months of your policy††
  • Free accidental death benefit for up to 90 days while we process your application††

Optional extras

We offer the following at an additional cost:

Critical illness cover:
Add this to your life insurance policy and you could receive a cash sum if you are diagnosed with one of the 41 conditions. Your children will also be covered at no additional cost.

Waiver premium:
This benefit waives your premiums if you’re unable to work due to incapacity caused by illness or injury. After 26 weeks, we’ll waive your monthly payments, giving you one less thing to think about††.

Flexible cover

As your life changes, so may your insurance needs. You can change your insurance cover when your circumstances change, such as extending your family.

This is not a savings or investment product, and has no cash value until a valid claim is made.

Mortgage protection

 

Mortgage life insurance has one clear objective - to help pay off your outstanding mortgage if you die during the policy term so your partner or family can remain in the property without worrying about how they'll pay the mortgage.

We offer two types of mortgage life insurance:

1.  Mortgage term insurance
Designed to help protect an interest-only mortgage, the cash lump sum remains the same throughout the term of your policy.

2.  Mortgage decreasing term insurance
Designed to help protect a repayment mortgage, the cash lump sum will decrease roughly in-line with your remaining mortgage debt.

Summary of features

  • Your policy could pay out a cash sum if you die during the term
  • Early payment if you are diagnosed with a terminal illness, except during the last 12 months of the policy
  • Free accidental death cover up to 90 days while we process your application††
  • Free 24-hour moving day rescue-service, SmoothMove#
  • Free life cover if you are in the process of buying a property††

Optional extras

We offer the following at an additional cost.

Critical illness cover:
Add this to your life insurance policy and you could receive a cash sum if you are diagnosed with one of the 41 conditions outlined in your policy††.

Waiver premium:
This benefit waives your premiums if you’re unable to work due to incapacity caused by illness or injury. After 26 weeks, we’ll waive your monthly payments, giving you one less thing to think about††.

Flexible cover

As your life changes, so may your insurance needs. You can change your insurance cover if your circumstances change, such as buying a new property.

Replacement cover

If you make a claim on a joint life policy, the policy will come to an end and the cash sum will be paid. The person who hasn't made a claim can set up replacement cover without having to go through full underwriting. All you will need to do is complete a short declaration. Terms and conditions apply, please refer to the Key Features Document for more information.

This is not a savings or investment product, and has no cash value until a valid claim is made.

#Provided by Inter Partner Assistance, part of one of the largest international emergency assistance groups

Apply now

Get your life insurance quote today

Just follow these easy steps to receive an instant quote today:

  1. Choose the type of insurance you require and the amount of cover.
    This value represents the cash sum your policy could pay out in the event of your death during the term. It also pays out if you are diagnosed with a terminal illness, except during the last 12 months of the policy.

  2. Select the length of cover.
    Please note that we cannot pay you if your policy term has ended before you die.

  3. Add Critical illness cover and Waiver Premium.
    Additional costs apply.

  4. Have your personal details at hand.
    Please provide your bank details, and doctor’s name and address. If applying for a joint policy your partner will also need to supply their details.

Important information

There are some circumstances when the policy won't pay out. For example, if you don't truthfully provide all the information we request on your application.

Please remember this is not a savings or investment product and has no cash value until a valid claim is made.

Up to 90 days protection while you wait

Many applicants are accepted immediately, however you will still be covered for accidental death benefit for up to 90 days while your application is processed. Terms and conditions apply.

*$65 Gift Card. Take out ACB Financial Life Insurance up to and including 26th December 2016 and receive a $65 ACB Financial gift card when you provide your Nectar card details. Each customer requires their own Nectar card to take advantage of this offer. Nectar card details must be provided at point of sale. Your Gift Card will not be issued retrospectively. If all conditions are met, we will aim to send your gift card four months after your policy start date. Please allow time for delivery. If you miss a payment or cancel within this period your gift card will not be issued. We reserve the right to cancel any policies should we suspect fraud or misconduct. Offer only available to customers taking out a new Life Insurance policy, limited to one gift card per customer in a 12 month period and cannot be exchanged for cash or used in conjunction with any cash back offer. Joint policies are entitled to one gift card only. We may withdraw this offer at any time and the offer may be amended. Employees of Legal & General cannot take advantage of this offer.

**Double Nectar Points
1. Offer only available to customers who take out a new ACB Financial Life Insurance policy (with or without Critical Illness Cover), excluding ACB Financial Over 50s Life Insurance Plan.
2. You must continue to pay policy premiums for 2 years to continue collecting double points. 3. If the policy is cancelled, double points will cease from the cancellation date.
4. Only the first Life Insurance policy registered against each Nectar account will qualify for double points. You may qualify for additional points by taking out other qualifying products.
5. Base points on qualifying spend in ACB Financial will be collected as normal. A bonus equal to the total of these points each calendar month (subject to a monthly maximum of 2,500 points) will be credited to the Nectar account by the 10th of the following month, for up to 24 months from the policy cover start date. Excludes all Bonus point offers and points from ACB Financial Energy, Telecoms, Digital, Bank and all other ACB Financial services.
6. The monthly bonus will only be calculated on, and credited to the Nectar card nominated at the time of application. The nominated card must also be used at the time of each ACB Financial purchase and points will not be allocated retrospectively.
7. The Nectar loyalty programme is operated independently of ACB Financial Services Limited by Aimia Coalition Loyalty UK Ltd; and the collection and use of points is governed by the Nectar Collector Rules, set out in the registration pack.
8. ACB Financial Services Limited reserves the right to alter, cancel or withdraw the offer without prior notice.

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