Dividend Life
Term Life & Multi-Claim Critical Illness Cover
Modern Life Insurance with:
Up to 200% Multi-Claim Critical Illness Cover
200% Dual Life Cover
Doctor-on-Demand with 24/7 GP Services
Life Empowered Membership Benefits
We are Life Empowered
We are Life Empowered
3 Policy Holder Dividends
Up to 200% Critical Illness Cover
Up to 3 Critical Illness claims per policy.
Total Maximum Benefit of up to 200% of Sum Assured.
200% Dual Life Cover.
Modern alternative to traditional joint life protection covering both lives not just first.
Membership Benefits
Annabel Rewards with 300 Retail Partners included.
Additional benefits included: a dedicated concierge service and direct access to leading global periodicals.
24/7 UK-based virtual GP consultations available.
Face-to-face consultations at a time that suits from anywhere in the world.
Prescriptions sent direct to chosen pharmacy for collection/delivery.
Policy Dividends are included on all policies. Without additional premium charges, fees or costs.
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Dividend Life Compared
Protection value created through …
Cover features, policy benefits and competitive premiums.
How does Dividend Life Cover, Benefits & Premiums compare to national U.K. life insurers.
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| Term Life | Assura + Protect | National Life Insurer 11 | National Life Insurer 21 | National Life Insurer 31 |
|---|---|---|---|---|
| Policyholder Benefits | Comprehensive | None | None | Limited |
| Extended Health Cover | Comprehensive | Limited | Limited | Basic |
| Partner Cover | Yes | Yes | Yes | Yes |
| Partner Cover Type | Dual | Joint | Joint | Joint |
| Lives Covered | Both | First | First | First |
| Maximum Benefit (% of Sum Assured) |
200% | 100% | 100% | 100% |
| Monthly Premiums2 | ||||
| Level Term - Single | £ 10.00 | £ 11.92 | £ 9.54 | £ 12.16 |
| Decreasing Term - Single3 | £ 10.00 | £ 11.17 | £ 10.41 | £ 13.48 |
| Level Term - Partner | £ 19.30 | £ 20.68 | £ 17.90 | £ 20.06 |
| Decreasing Term - Partner | £ 12.71 | £ 13.47 | £ 12.61 | £ 14.48 |
For more information please click the “arrow icon” for more information.
| Term Life with Critical Illness | Assura + Protect | National Life Insurer 11 | National Life Insurer 21 | National Life Insurer 31 |
|---|---|---|---|---|
| Cover Type | Life and Critical Illness | Life or Critical Illness | Life or Critical Illness | Critical Illness Only |
| Conditions Covered4 | 42 | 37 | 40 | 41 |
| Monthly Premiums5 | ||||
| Level Term - Single | £ 30.37 | £ 31.05 | £ 33.39 | £ 44.41 |
| Decreasing Term - Single | £ 21.07 | £ 20.83 | £ 24.79 | - |
| Level Term - Partner | £ 59.63 | £ 56.51 | £ 62.24 | £ 81.62 |
| Decreasing Term - Partner | £ 41.22 | £ 37.64 | £ 46.86 | - |
Notes:
- Representative National Life Insurers are selected from top 5 UK Life Insurers by annual policy sales.
- Indicative policy pricing for 35 year old / £200,000 Sum Assured / 20 Year Term with no medical loadings derived from publicly available company websites and price comparison websites on May 26, 2023.
- Indicative policy pricing for 35 years old / £350,000 Sum Assured / 20 Year Term with no medical loadings derived from publicly available company websites and price comparison websites on May 26, 2023.
- Core conditions covered and included as in standard and/or base premiums.
- Indicative policy pricing for 35 year old / £100,000 Sum Assured / 20 Year Term with no medical loadings derived from publicly available company websites and price comparison websites on May 26, 2023.