Personal protection

Life Insurance+

Life, taken care of

Protect your clients and their families

Comprehensive life cover with the flexibility of adding critical illness cover to meet your clients' needs. Both types of cover include a range of benefits and terminal illness cover as standard. 

Cover that goes above and beyond

On top of the standard benefits under our policy, for an extra cost, your clients have the option to add further cover, should they need it


Includes a range of benefits and terminal illness cover as standard

Claims you can count on

In 2019, we paid out on 98.6% of life insurance and terminal illness claims

Flexible solution

Life insurance+ helps give your clients and their families financial protection should your client pass away within the policy term. It lets your client leave a lump sum behind – which could help their loved ones maintain their living standards or pay mortgage costs. Life insurance+ includes a range of benefits and terminal illness cover as standard.

Product details

Why Life Insurance+?

Our Life Insurance+ policy provides life cover with the added flexibility of being able to add critical illness cover.

You can adapt your clients cover according to their needs and budget - by choosing from a range of options and benefits which have all been designed to deliver quality cover.

At an extra cost your client can upgrade their critical illness cover (if chosen) so they have some financial protection against even more critical illnesses. By upgrading, they can add extra benefits to their cover, their children's cover or both.

Features and benefits

More choice

The ability to select the following allows you to adapt cover to your individual client's needs: 

  • Life cover or life and critical illness cover
  • The cover amount and the policy term
  • Level, decreasing or family income cover
  • Waiver of premium, conversion and renewal options
  • Increasing cover - to help protect against inflation

Benefits included as standard

Life Insurance+ comes with a wide range of benefits available at no extra cost:

  • House purchase cover
  • Life change and separation benefits
  • Additional critical illness benefit (available with life and critical illness cover only)
  • Children's benefit (available with life and critical illness cover only)

Upgrade for even more cover

At an additional cost customise cover with our upgrade options (available with life and critical illness cover only):

  • Upgraded critical illness benefit covers further full payment conditions,additional critical illness conditions and hospital benefit.
  • Upgraded children's benefit covers an additional 11 children's critical illness conditions, up to £50,000 for 12 conditions under children's extra care cover, and advanced illness. Children are also covered from birth.

Additional benefits

We offer a range of cover options at an additional cost:

  • Global treatment 
  • Extra care cover
  • Fracture cover 

Facts and figures

Cover types


Critical illness cover

Children's benefit

Upgraded children's benefit


For an extra cost, any of these additional covers can be included in your client’s policy.


Conversion option

Max age at entry: 64

Your client can convert their policy to a whole of life policy without answering any further medical questions. They can convert their policy before age 71. 

This is available at an extra cost on level life cover.

This option is not available with life and critical illness cover or the increasing option.


Waiver of premium

Max age at entry: 64

We will waive your client's premiums if they are unable to work due to illness or injury.

Your client can choose a deferred period of one, three or six months.

This benefit is available at an extra cost and it will cease when the eldest life reaches age 71, but the policy will continue.


Increasing cover

Max age at entry: 64

The cover amount will increase each year in line with RPI (available with level cover) or by a fixed percentage of 3 or 5% (available with level cover and family income cover). If the cover increases so will the premium. The increase automatically happens on an annual basis. 

When increasing cover linked to RPI is selected, if RPI doesn't go up, neither will your clients cover amount or premium.  

If your client chooses not to accept an increase, then their cover amount and premium will remain the same. 

Please note that in the event of an increase the premium will increase at a higher percentage rate than the cover amount. The maximum the cover amount can increase by is 10% and the premium could increase by a maximum of 15%. 

This is not available with decreasing cover.


Extra care cover        

Max age at entry: 64 

This cover can provide £50,000 if your client is diagnosed with a condition that results in severe and permanent symptoms. It's available at an extra cost with life and critical illness cover.


Total permanent disability

Max age at entry: 64

This option pays the cover amount if the life covered suffers an illness or injury that means they meet either our own occupation or activities of daily work definition. (We'll confirm which definition we'll use for your client). 

This benefit will cease when the eldest life reaches age 71, but the policy will continue.

It is available at an extra cost with life and critical illness cover.

Additional covers


Support Plus

Looking after your client and their family

When you recommend one of our personal protection policies to your client, you can relax, safe in the knowledge that we’ll be there for them and their families when it really matters.

Of course, this means we’ll be on hand with financial support if the worst should happen. But with our policies, you get so much more than that.

We’re proud of the services we offer. Helping your clients to live more healthily, caring for them through illness and injury, and being there to support them and their family in the event of bereavement.

For more information on any of the services and what's included with your clients' policy, please read our Support Services guide.

Please be aware that all of the benefits are non contractual and we can remove them at any time.


Statistics speak for themselves

In 2019 we paid out 98.6% of all life insurance and terminal illness claims. We paid out £582 million to more than 16,300 customers. 

Being there when it matters most

When your clients claim, we do everything we can to reduce their stress and anxiety.

This is an incredibly difficult time. Whether it’s helping with paperwork or answering questions about funeral arrangements, we’re there for your clients, and their families.

To make a claim, they can call the team on:

0800 015 1142

Calls may be monitored and/or recorded.


Or, if they can’t face talking about what’s happened, they can get the process started online instead.

Your client can fill in an online form  to tell us they need to make a claim.

Quote, apply and track cases online

Visit ALPS

Business support

Doing protection business just got easier

We're committed to making it easy to do protection business with us, so we've produced a range of helpful support materials - all designed to save you time.

ALPS tracking guide

Knowing exactly what’s happening with your cases makes life so much easier. Take a look at our guide to learn how tracking can help your business.

ALPS in focus guide

Gain knowledge on what ALPS has to offer you, whilst discovering some of the tips and tricks that could save you time. 

Underwriting centre

Our digital hub contains everything you need to know about our underwriting.

Optional benefits

All available at an additional premium

Global treatment

Global treatment makes overseas treatment and access to an expert second medical opinion possible at a time when your client will want to explore all the options.

Fracture cover

Fracture cover pays a one-off sum if your client suffers from 1 of 18 specified fractures during a 12 month period.

Extra care cover

An additional £50,000 when critical illness has a prolonged, life changing impact.

Related content

Business Life Insurance Options

It offers protection for the key person, shareholder or any business loans.

Critical Illness+

Standalone critical illness cover with a range of benefits and options, making it suitable for a range of client's budgets.

Whole of Life Insurance+

It lasts the whole of your client's life and is available on a single or joint life basis.

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