Life Cover

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  • Up to £50,000 cash lump sum
  • No medical questions - guaranteed acceptance
  • Covers death from any cause after the first 2 years, if you die before age 69
  • Accidental death is covered immediately, subject to policy exclusions
  • No price increases - premiums stay the same throughout your cover
  • For UK residents aged 18-64
  • This policy is underwritten by award-winning insurer Scottish Friendly Assurance Society Ltd

Here’s what one of our customers said:

"I would like to say that your colleagues and Union Income Benefit have been absolutely wonderful in their dealings with me whenever I have contacted them, during some difficult times."… "They are all first rate, and I am very happy with my cover and with the company.”

Jamie, 53, Life Cover customer

Things to consider
- Cover ends at age 69
- Accidental death cover only for the first 2 years
- There is no cash-in value at any time
- The value of the cash lump sum may reduce with inflation
- Your chosen level of cover meets your needs

  • What is it?

    We all wish a bright future for our loved ones. Hopefully we'll continue to be a big part of their story, but when a life is suddenly cut short, those left behind can often be left with an altogether darker prospect ahead.

    Our Life Cover can help light the way forward and that starts straight away. The policy pays up to £50,000 if you die during the policy term, which can be used to cover immediate expenses, such as funeral costs. The policy covers death from any cause after the first 2 years, you will be covered immediately for accidental death subject to the exclusions.

    Life insurance applications are typically underwritten. What this means is you will have to answer questions about your health, family history, height, weight and even how often you go to the gym. In some cases, you may also have to complete medical tests. Based on your responses and results, you could get more cover at a cheaper price or you could possibly get declined cover.

    With our guaranteed acceptance Life Cover, as long as you are a UK resident aged between 18 and 64, you already qualify for the cover. This means no long medical questionnaire to complete, so getting protected is quick and easy.

    Here’s what one of our customers Deborah said:

    "Everywhere else I’d gone you had to fill in a lengthy medical questionnaire, question after question about what were your medications, how ill had you been…to not have to fill in that questionnaire about anything, was absolutely wonderful”

    With so much else to deal with at this difficult time, sorting the short-term finances for your partner or children is just the first step towards getting their lives back on track.

    But it's not the only way this Life Cover can help them. It can also be a longer-term solution for any family who would struggle to pay bills, meet mortgage repayments, bring up the kids and keep meals on the table without your regular income.

    It's about helping to keep things ticking over. It's about helping to take care of them, even when you're not around. It's about telling them you still love them.

    What's Covered:
    • A cash lump sum payout of between £10,000 and £50,000 if you die during the policy term
    • Covers death from any cause after the first 2 years (you will be covered immediately for accidental death subject to the exclusions listed below)
    • Guaranteed acceptance - as long as you're a UK resident and are aged between 18 to 64 at the policy start date, you’ll be covered with no medical questions asked
    • Monthly cover until the first premium due date following your 69th birthday (following this cover will end and no cash lump sums will be payable)
    • Premiums stay the same throughout your cover

    What's Not Covered:
    Accidental death is covered from day 1 subject to certain exclusions listed below. If you die within the first 2 years of natural causes including illness or from an accident where no claim is payable, all premiums you have paid will be refunded but no lump sum is payable.

    Once you have held the policy for 2 years ANY cause of death is covered with no exclusions whatsoever.

    Accidental death exclusions (first 2 years only):

    • Self-inflicted injury, suicide or attempted suicide by You, regardless of the state of Your mental health;
    • Participating in any criminal act;
    • Participating in hazardous hobbies and pastimes; (Meaning engaging in private aviation, parachuting, motor sports (including motorcars, motorcycles and speedboats), sports underwater diving, caving/ potholing or mountaineering (other than hill walking, trekking, abseiling or artificial wall climbing); 
    • War (whether declared or not), riot or civil commotion; 
    • Taking drugs (unless these were prescribed by a UK registered Medical professional);
    • Reckless consumption of alcohol (Consumption of alcohol such that it results in mental or physical impairment which causes the accident or results in you doing something you would not normally do without the influence of alcohol). 

    Things to Consider:
    - Cover ends at age 69
    - Accidental death cover only for the first 2 years
    - There is no cash-in value at any time
    - The value of the cash lump sum may reduce with inflation
    - Your chosen level of cover meets your needs

    This policy is underwritten by Scottish Friendly Assurance Society Limited. For a full explanation of the terms and conditions please read the policy documents carefully in the policy docs tab.

  • Why might I need it?

    Because while our feelings for the people we share a home with are enduring, life itself is inherently uncertain.

    The policy steps in to shoulder some of your family's financial obligations when you no longer can. How? By giving them a cash lump sum - up to £50,000 - to make up some of the shortfall when they no longer have your salary. It can help cover both the regular household outgoings, as well as any other costs that are harder to foresee. And, of course, funeral arrangements too.

    These days it’s easy to get caught up in the cost of living but fewer people are talking about the cost of dying. The average price of a basic funeral has risen substantially over the years and, according to the 2024 Cost of Dying report, now stands at £4,141. If you consider all the other associated expenses (professional fees, send-off costs, catering etc), the actual figure may be considerably higher: £9,658.

    This Life Cover is designed to meet the needs of people who want to enjoy peace of mind knowing their nearest and dearest are going to be ok financially when they're gone. It's for people who want to help their family and home hold together when everything else can feel like it's falling apart. It's for people who have been looking after their loved ones for years, and now want a way to help secure their future too.

  • Testimonials

    Here's what some of our customers have said about what life insurance means for them. These customers purchased a life insurance arranged by us:

    Deborah, 47, Staffordshire
    "My family are extremely important to me, particularly Paul my husband…I felt that I had a responsibility to put something in place for him should that day come" 

    "Everywhere else I’d gone you had to fill in a lengthy medical questionnaire, question after question about what were your medications, how ill had you been…to not have to fill in that questionnaire about anything, was absolutely wonderful”

    “The service that I received was absolutely first class from picking up the telephone and making the call. I was taken through everything in a clear, concise and correct way.”

    Amanda, 46, Derbyshire
    "I have 2 boys and just worry about leaving them without anything and paying for my own funeral" 

    Aaron, 29, Cornwall
    "It’s something I’ve been meaning to buy anyway, but I just haven’t had a chance"

    Hazel, 27, London
    "Just in case something happens to me, I’m getting older, I’m not getting younger" 

  • Policy docs

    Download policy documentation

    Please read the policy documents carefully. Clicking on the files below will open a new window in which a PDF document will appear. You will need Adobe Reader to see these documents.

    Policy Wording

    About Us

    We do everything we can to ensure we’re giving you the best possible service, whatever your circumstances. If you require additional support and would like to find out more or to request information in a different format, please contact our friendly customer services team on 0345 026 1101.

  • Can anyone get covered?

    UK residents aged 18 to 64 at the Policy start date can get covered – with no medical questions to answer. Acceptance is guaranteed and your Policy can continue until the first premium due date following your 69th birthday.

  • What if I live in the Channel Islands or Isle of Man, can I get cover?

    No. Cover is only available to residents of England, Scotland, Northern Ireland and Wales.

  • Is there a waiting period before a claim can be made on the cover?

    You are covered immediately for accidental death which did not arise from any of the Policy Exclusions but for the first 2 years following your Policy Start Date you cannot claim for a death from natural causes. If you should die of natural causes in the first 2 years, then a full refund of premiums will be provided but no lump sum benefit will be paid. After this period you will be covered for death from any cause, provided you have paid all your Monthly Premiums when due.

  • Am I covered for accidental death immediately?

    If you die within 2 years of your policy start date and your death is “Early Accidental Death” then Scottish Friendly will pay your full cash lump sum, provided you have paid all your monthly premiums when due.

    Early Accidental Death means death as a direct result of a single, unexpected, unforeseen and unintentional incident that happens within 2 years of the policy start date and is not a symptom of a disease or illness and which did not arise from:

    • Self-inflicted injury, suicide or attempted suicide by you, regardless of the state of your mental health;
    • Participating in any criminal act;
    • Participating in a hazardous hobbies and pastimes; (Meaning engaging in private aviation, parachuting, motor sports (including motorcars, motorcycles and speedboats), sports underwater diving, caving/potholing or mountaineering (other than hill walking, trekking, abseiling or artificial wall climbing);
    • War (whether declared or not), riot or civil commotion;
    • Taking drugs (unless these were prescribed by a UK registered Medical professional);
    • Reckless consumption of alcohol (Consumption of alcohol such that it results in mental or physical impairment which causes the accident or results in you doing something you would not normally do without the influence of alcohol).

  • Can more than one person be covered by a Policy?

    No. The Policy covers the Policyholder only.

  • How much cover can I have?

    The Policy offers a choice of lump sums between £10,000 and £50,000, going up in multiples of £2,500. Once your Policy starts you cannot change your Cash Lump Sum but you can set up an additional Policy as long as the total combined value for all of them is not more than £50,000.

  • How much does it cost?

    Premiums depend on the amount of cover you choose and how old you are when the Policy starts. Use our Quick Quote to select how much cover you need and see how affordable it could be for you. Your premiums will remain fixed for as long as you keep the Policy.

  • Can I change my cover after the policy has started

    Can I increase the cover on my policy? 

    Once your policy starts you cannot increase the cash lump sum on your policy. You can take another policy if you want more cover. You can have multiple policies, as long as the total amount of cover for all your Scottish Friendly policies arranged by Union Income Benefit is not more than the maximum cash lump sum of £50,000.  

    The 2 year early accidental death limitation will apply to any new policies, so it is important to consider the level of cover you take out initially.

     

    Can I reduce the cover on my policy? 

    You can reduce the cover on your policy at any time subject to the minimum premium level. However,  if you reduce the cover on your policy, you cannot then increase the cover at a later date. You would have to take out another policy if you wanted more cover. Any further policies will be subject to the 2 years waiting period and only accidental death will be covered in the first 2 years of the new policy

    If you change your mind about reducing your cover within 30 days you can reinstate your original Cash Lump Sum. If you choose to reinstate your original cash lump sum you will also need to pay the original premium.

  • Who underwrites this policy?

    This policy is underwritten by Scottish Friendly Assurance Society Limited

  • When does my cover start?

    Cover will start immediately for accidental death. For the first 2 years you cannot claim for death from natural causes, after this period you will be covered for death from any cause provided you have paid all your Monthly Premiums when due.

  • What is ‘Early Accidental Death’?

    Early Accidental Death means death as a direct result of a single, unexpected, unforeseen and unintentional incident that happens within 2 years of the Policy Start Date of this insurance and is not a symptom of a disease or illness and which did not arise from any of the Policy exclusions.

  • Is death from natural causes or illness covered immediately?

    No, this policy covers accidental death for the first 2 years after which death from any cause is covered. This means that death from sickness or natural causes within the first 2 years of the policy is NOT covered. This would include coronavirus (COVID-19).

  • When does my cover end?

    All cover under the policy ends:
    • on the first premium due date following your 69th birthday
    • on your death
    • if you cancel
    • if your premium is not paid when due

    Whichever is earliest.

    NB: you will need to advise us if your circumstances change.

  • What does ‘guaranteed acceptance’ mean?

    It means that as long as you meet the eligibility criteria: that you are a UK resident aged between 18 and 64 at the start date then you will be accepted for cover. 

  • How do I make a claim?

    To make a Claim under Your Policy, Your representatives should contact Scottish Friendly at the address/telephone number below. Scottish Friendly will then issue them with a Claim form and information pack.

    Scottish Friendly Assurance Society Limited
    Scottish Friendly House
    16 Blythswood Square
    Glasgow
    G2 4HJ

    Alternatively, you can contact Scottish Friendly by telephone on 0333 323 5433. Calls cost no more than calls to numbers starting with 01 or 02 and if you are calling from a mobile phone, calls will count towards any inclusive minutes you have rather than being charged separately. Telephone lines open: Mon to Fri 8.30 a.m. to 5.30 p.m. For your protection calls may be monitored and recorded.

  • Do I have to pay tax on my pay-out?

    The benefit is not taxed at source, however, depending on the value of your estate when you die, the Cash Lump Sum on death may be subject to Inheritance Tax which is set by the government.

  • What if I change my mind?

    You can cancel the policy within 30 days of the start date and we will refund any premium paid if no claim has been made. Following this, you may cancel the policy at any time but no refund of premium will be paid. You can cancel by writing, emailing or calling a member of our Customer Services team:

    UIB, 39/51 Highgate Road, London, NW5 1RT
    customercare@uibuk.com
    0345 026 1101*

    * Calls cost no more than calls to numbers starting with 01 or 02 and if you are calling from a mobile phone, calls will count towards any inclusive minutes you have rather than being charged separately. Lines are open Mon to Fri 9 am to 6 pm.  For your protection calls may be monitored and recorded.

What is it?

We all wish a bright future for our loved ones. Hopefully we'll continue to be a big part of their story, but when a life is suddenly cut short, those left behind can often be left with an altogether darker prospect ahead.

Our Life Cover can help light the way forward and that starts straight away. The policy pays up to £50,000 if you die during the policy term, which can be used to cover immediate expenses, such as funeral costs. The policy covers death from any cause after the first 2 years, you will be covered immediately for accidental death subject to the exclusions.

Life insurance applications are typically underwritten. What this means is you will have to answer questions about your health, family history, height, weight and even how often you go to the gym. In some cases, you may also have to complete medical tests. Based on your responses and results, you could get more cover at a cheaper price or you could possibly get declined cover.

With our guaranteed acceptance Life Cover, as long as you are a UK resident aged between 18 and 64, you already qualify for the cover. This means no long medical questionnaire to complete, so getting protected is quick and easy.

Here’s what one of our customers Deborah said:

"Everywhere else I’d gone you had to fill in a lengthy medical questionnaire, question after question about what were your medications, how ill had you been…to not have to fill in that questionnaire about anything, was absolutely wonderful”

With so much else to deal with at this difficult time, sorting the short-term finances for your partner or children is just the first step towards getting their lives back on track.

But it's not the only way this Life Cover can help them. It can also be a longer-term solution for any family who would struggle to pay bills, meet mortgage repayments, bring up the kids and keep meals on the table without your regular income.

It's about helping to keep things ticking over. It's about helping to take care of them, even when you're not around. It's about telling them you still love them.

What's Covered:
• A cash lump sum payout of between £10,000 and £50,000 if you die during the policy term
• Covers death from any cause after the first 2 years (you will be covered immediately for accidental death subject to the exclusions listed below)
• Guaranteed acceptance - as long as you're a UK resident and are aged between 18 to 64 at the policy start date, you’ll be covered with no medical questions asked
• Monthly cover until the first premium due date following your 69th birthday (following this cover will end and no cash lump sums will be payable)
• Premiums stay the same throughout your cover

What's Not Covered:
Accidental death is covered from day 1 subject to certain exclusions listed below. If you die within the first 2 years of natural causes including illness or from an accident where no claim is payable, all premiums you have paid will be refunded but no lump sum is payable.

Once you have held the policy for 2 years ANY cause of death is covered with no exclusions whatsoever.

Accidental death exclusions (first 2 years only):

• Self-inflicted injury, suicide or attempted suicide by You, regardless of the state of Your mental health;
• Participating in any criminal act;
• Participating in hazardous hobbies and pastimes; (Meaning engaging in private aviation, parachuting, motor sports (including motorcars, motorcycles and speedboats), sports underwater diving, caving/ potholing or mountaineering (other than hill walking, trekking, abseiling or artificial wall climbing); 
• War (whether declared or not), riot or civil commotion; 
• Taking drugs (unless these were prescribed by a UK registered Medical professional);
• Reckless consumption of alcohol (Consumption of alcohol such that it results in mental or physical impairment which causes the accident or results in you doing something you would not normally do without the influence of alcohol). 

Things to Consider:
- Cover ends at age 69
- Accidental death cover only for the first 2 years
- There is no cash-in value at any time
- The value of the cash lump sum may reduce with inflation
- Your chosen level of cover meets your needs

This policy is underwritten by Scottish Friendly Assurance Society Limited. For a full explanation of the terms and conditions please read the policy documents carefully in the policy docs tab.

Scroll to top
Why might I need it?

Because while our feelings for the people we share a home with are enduring, life itself is inherently uncertain.

The policy steps in to shoulder some of your family's financial obligations when you no longer can. How? By giving them a cash lump sum - up to £50,000 - to make up some of the shortfall when they no longer have your salary. It can help cover both the regular household outgoings, as well as any other costs that are harder to foresee. And, of course, funeral arrangements too.

These days it’s easy to get caught up in the cost of living but fewer people are talking about the cost of dying. The average price of a basic funeral has risen substantially over the years and, according to the 2024 Cost of Dying report, now stands at £4,141. If you consider all the other associated expenses (professional fees, send-off costs, catering etc), the actual figure may be considerably higher: £9,658.

This Life Cover is designed to meet the needs of people who want to enjoy peace of mind knowing their nearest and dearest are going to be ok financially when they're gone. It's for people who want to help their family and home hold together when everything else can feel like it's falling apart. It's for people who have been looking after their loved ones for years, and now want a way to help secure their future too.

Testimonials

Here's what some of our customers have said about what life insurance means for them. These customers purchased a life insurance arranged by us:

Deborah, 47, Staffordshire
"My family are extremely important to me, particularly Paul my husband…I felt that I had a responsibility to put something in place for him should that day come" 

"Everywhere else I’d gone you had to fill in a lengthy medical questionnaire, question after question about what were your medications, how ill had you been…to not have to fill in that questionnaire about anything, was absolutely wonderful”

“The service that I received was absolutely first class from picking up the telephone and making the call. I was taken through everything in a clear, concise and correct way.”

Amanda, 46, Derbyshire
"I have 2 boys and just worry about leaving them without anything and paying for my own funeral" 

Aaron, 29, Cornwall
"It’s something I’ve been meaning to buy anyway, but I just haven’t had a chance"

Hazel, 27, London
"Just in case something happens to me, I’m getting older, I’m not getting younger" 

Policy docs

Download policy documentation

Please read the policy documents carefully. Clicking on the files below will open a new window in which a PDF document will appear. You will need Adobe Reader to see these documents.

Policy Wording

About Us

We do everything we can to ensure we’re giving you the best possible service, whatever your circumstances. If you require additional support and would like to find out more or to request information in a different format, please contact our friendly customer services team on 0345 026 1101.

FAQ
Can anyone get covered?

UK residents aged 18 to 64 at the Policy start date can get covered – with no medical questions to answer. Acceptance is guaranteed and your Policy can continue until the first premium due date following your 69th birthday.

What if I live in the Channel Islands or Isle of Man, can I get cover?

No. Cover is only available to residents of England, Scotland, Northern Ireland and Wales.

Is there a waiting period before a claim can be made on the cover?

You are covered immediately for accidental death which did not arise from any of the Policy Exclusions but for the first 2 years following your Policy Start Date you cannot claim for a death from natural causes. If you should die of natural causes in the first 2 years, then a full refund of premiums will be provided but no lump sum benefit will be paid. After this period you will be covered for death from any cause, provided you have paid all your Monthly Premiums when due.

Am I covered for accidental death immediately?

If you die within 2 years of your policy start date and your death is “Early Accidental Death” then Scottish Friendly will pay your full cash lump sum, provided you have paid all your monthly premiums when due.

Early Accidental Death means death as a direct result of a single, unexpected, unforeseen and unintentional incident that happens within 2 years of the policy start date and is not a symptom of a disease or illness and which did not arise from:

• Self-inflicted injury, suicide or attempted suicide by you, regardless of the state of your mental health;
• Participating in any criminal act;
• Participating in a hazardous hobbies and pastimes; (Meaning engaging in private aviation, parachuting, motor sports (including motorcars, motorcycles and speedboats), sports underwater diving, caving/potholing or mountaineering (other than hill walking, trekking, abseiling or artificial wall climbing);
• War (whether declared or not), riot or civil commotion;
• Taking drugs (unless these were prescribed by a UK registered Medical professional);
• Reckless consumption of alcohol (Consumption of alcohol such that it results in mental or physical impairment which causes the accident or results in you doing something you would not normally do without the influence of alcohol).

Can more than one person be covered by a Policy?

No. The Policy covers the Policyholder only.

How much cover can I have?

The Policy offers a choice of lump sums between £10,000 and £50,000, going up in multiples of £2,500. Once your Policy starts you cannot change your Cash Lump Sum but you can set up an additional Policy as long as the total combined value for all of them is not more than £50,000.

How much does it cost?

Premiums depend on the amount of cover you choose and how old you are when the Policy starts. Use our Quick Quote to select how much cover you need and see how affordable it could be for you. Your premiums will remain fixed for as long as you keep the Policy.

Can I change my cover after the policy has started

Can I increase the cover on my policy? 

Once your policy starts you cannot increase the cash lump sum on your policy. You can take another policy if you want more cover. You can have multiple policies, as long as the total amount of cover for all your Scottish Friendly policies arranged by Union Income Benefit is not more than the maximum cash lump sum of £50,000.  

The 2 year early accidental death limitation will apply to any new policies, so it is important to consider the level of cover you take out initially.

 

Can I reduce the cover on my policy? 

You can reduce the cover on your policy at any time subject to the minimum premium level. However,  if you reduce the cover on your policy, you cannot then increase the cover at a later date. You would have to take out another policy if you wanted more cover. Any further policies will be subject to the 2 years waiting period and only accidental death will be covered in the first 2 years of the new policy

If you change your mind about reducing your cover within 30 days you can reinstate your original Cash Lump Sum. If you choose to reinstate your original cash lump sum you will also need to pay the original premium.

Who underwrites this policy?

This policy is underwritten by Scottish Friendly Assurance Society Limited

When does my cover start?

Cover will start immediately for accidental death. For the first 2 years you cannot claim for death from natural causes, after this period you will be covered for death from any cause provided you have paid all your Monthly Premiums when due.

What is ‘Early Accidental Death’?

Early Accidental Death means death as a direct result of a single, unexpected, unforeseen and unintentional incident that happens within 2 years of the Policy Start Date of this insurance and is not a symptom of a disease or illness and which did not arise from any of the Policy exclusions.

Is death from natural causes or illness covered immediately?

No, this policy covers accidental death for the first 2 years after which death from any cause is covered. This means that death from sickness or natural causes within the first 2 years of the policy is NOT covered. This would include coronavirus (COVID-19).

When does my cover end?

All cover under the policy ends:
• on the first premium due date following your 69th birthday
• on your death
• if you cancel
• if your premium is not paid when due

Whichever is earliest.

NB: you will need to advise us if your circumstances change.

What does ‘guaranteed acceptance’ mean?

It means that as long as you meet the eligibility criteria: that you are a UK resident aged between 18 and 64 at the start date then you will be accepted for cover. 

How do I make a claim?

To make a Claim under Your Policy, Your representatives should contact Scottish Friendly at the address/telephone number below. Scottish Friendly will then issue them with a Claim form and information pack.

Scottish Friendly Assurance Society Limited
Scottish Friendly House
16 Blythswood Square
Glasgow
G2 4HJ

Alternatively, you can contact Scottish Friendly by telephone on 0333 323 5433. Calls cost no more than calls to numbers starting with 01 or 02 and if you are calling from a mobile phone, calls will count towards any inclusive minutes you have rather than being charged separately. Telephone lines open: Mon to Fri 8.30 a.m. to 5.30 p.m. For your protection calls may be monitored and recorded.

Do I have to pay tax on my pay-out?

The benefit is not taxed at source, however, depending on the value of your estate when you die, the Cash Lump Sum on death may be subject to Inheritance Tax which is set by the government.

What if I change my mind?

You can cancel the policy within 30 days of the start date and we will refund any premium paid if no claim has been made. Following this, you may cancel the policy at any time but no refund of premium will be paid. You can cancel by writing, emailing or calling a member of our Customer Services team:

UIB, 39/51 Highgate Road, London, NW5 1RT
customercare@uibuk.com
0345 026 1101*

* Calls cost no more than calls to numbers starting with 01 or 02 and if you are calling from a mobile phone, calls will count towards any inclusive minutes you have rather than being charged separately. Lines are open Mon to Fri 9 am to 6 pm.  For your protection calls may be monitored and recorded.

Union Insurance Services is a trading name of Union Income Benefit Holdings Ltd (UIB) who are authorised and regulated by the Financial Conduct Authority to distribute non-investment insurance products, register number 307575. This can be checked on the FCA website: www.fca.org.uk .

Registered in England No.03877610 Registered Office: 14th Floor, 33 Cavendish Square, London W1G 0PW

© Union Income Benefit 2022