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Life Cover
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.
More certainty for paying inheritance tax
For couples who want to use Whole of Life to cover Inheritance Tax, we offer a Joint Life Second Death policy. It means that we cover two people, and only pay out the lump sum after both of them have died.
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 with our Vitality programme
You get membership to our proven health and wellness programme, Vitality. We give you a range of tools and discounts to help you live a healthy lifestyle.
Plus if you have a PruProtect Plan Vitality can even reduce your premiums*
We’re the only protection insurer that can reward you with lower premiums* each year, without reducing your cover, if you look after your health with our Vitality programme.
* Premiums are not reduced for Unemployment Cover, Health Cover or Vitality Plus. Also premium discounts do not apply to the Essentials Plan.
Fast facts
| Min term | 5 years |
| Max term | Reviewable premiums 60 years Guaranteed premiums 50 years |
| Min sum assured | £10,000 subject to minimum premium |
| Max sum assured |
£5,000,000 |
| Min entry age next birthday | 17 |
| Max entry age next birthday | 75 |
| 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
