New Parent Free Life Cover

Here are some of the features of New Parent Free Life Cover:

It is a life insurance plan that provides £10,000 free life cover for a parent if they die on or before their child’s first birthday.
Applying only takes a few minutes.
Single life cover only.

Here are some of the facts you need to know about the new parent free life cover:

Criteria	Min/Max	Detail	Notes
Age limits for new parents	Min age at entry	18 years old
Age limits for new parents	Maximum age at entry	66 years old
Eligibility	Maximum age of child	The child must be less than 6 months old when the cover is taken out.
Eligibility	Parental status	The individual applying for the cover must be named on the birth certificate, full adoption certificate, final residence order or special guardianship order.
Residence		Individuals applying for cover must be a UK resident. They must also remain a UK resident for the duration of the plan. If they move outside of the UK the plan will stop. (Please note, the UK does not include Channel Islands or Isle of Man).	If the child was born abroad, this doesn’t matter as long as the parent is a UK resident and remains a UK resident for the duration of the pla
Term	Maximum term	The cover will expire on the child’s first birthday
Maximum Cover		£10,000 per parent per child. Joint cover is not available	Both parents can take out a plan on the same child, meaning they could be covered for £20,000 for that child.
Health conditions and exclusions		We will not pay claims where death is as a result of: suicide related to or caused by a history of alcohol abuse non-prescribed drug abuse HIV related illnesses Applications cannot be made where the applicant has received a positive diagnosis of HIV infection or has, within the last 12 months, received medical treatment for cancer (including leukaemia and lymphoma).

There are no premiums for clients to pay as this is a free offer.

Here is some information to help you decide if your client is eligible for our new parent free life cover.

Designed for clients who	Not designed for clients who
Want to take the first step towards protecting their family Have a baby who is up to 6 months old Are UK residents. (Channel Islands and Isle of Man are excluded) and remain a UK residents for the duration of the plan Are named on the Birth Certificate, the Full Adoption Certificate, Final Residence Order, or Special Guardianship Order Are aged 18 to 66 Have not received a positive diagnosis of HIV infection or have not, within the last 12 months, received medical treatment for cancer (including leukaemia and lymphoma)	Have a child who is more than 6 months old Are not UK residents (Channel Islands and Isle of Man are excluded) or will not remain UK residents for the duration of the plan Are not named on the Birth Certificate, Full Adoption Certificate, Final Residence Order, or Special Guardianship Order Are under 18 years old, or over 66 years old Have received a positive diagnosis of HIV infection or have, within the last 12 months, received medical treatment for cancer (including leukaemia and lymphoma)
If the customer wants more life insurance cover they will need to apply for additional cover separately. This will be subject to normal underwriting.

Designed for clients who

Not designed for clients who

Want to take the first step towards protecting their family
Have a baby who is up to 6 months old
Are UK residents. (Channel Islands and Isle of Man are excluded) and remain a UK residents for the duration of the plan
Are named on the Birth Certificate, the Full Adoption Certificate, Final Residence Order, or Special Guardianship Order
Are aged 18 to 66
Have not received a positive diagnosis of HIV infection or have not, within the last 12 months, received medical treatment for cancer (including leukaemia and lymphoma)

Have a child who is more than 6 months old
Are not UK residents (Channel Islands and Isle of Man are excluded) or will not remain UK residents for the duration of the plan
Are not named on the Birth Certificate, Full Adoption Certificate, Final Residence Order, or Special Guardianship Order
Are under 18 years old, or over 66 years old
Have received a positive diagnosis of HIV infection or have, within the last 12 months, received medical treatment for cancer (including leukaemia and lymphoma)

Key considerations

If the customer wants more life insurance cover they will need to apply for additional cover separately. This will be subject to normal underwriting.

Letter templates available for:

We have a wide range of support staff available to help you. View our contact details to find the right number that meets your needs.

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