Life Insurance and Long-Term Protection

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For those who have found life insurance and/or long-term protection difficult or expensive to obtain, Emerald Life has partnered with Cura Financial Services to offer solutions for these issues* 

In particular, Cura has recognised experience in providing longer term cover for people living with HIV or those with mental health issues.

Click below to go to the dedicated Emerald/Cura page.

If you are an existing Term Life customer, your Policy Summary and Policy Wording documents are below. If you need to make a claim, please call the claims line on 020 7280 6000.

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Have you been refused Life Insurance, Critical Illness Cover or Income Protection? Are you concerned that you might struggle to get cover because of your health, occupation, pastimes or travel?

As an insurer dedicated to covering a very diverse customer base, Emerald understands the importance of strong partnerships. It can be difficult or expensive to get life cover or other long-term protections if you for example you have pre-existing medical conditions or a hazardous occupation. 

Our partnership with Cura is an important one. Their background is in handling the most sensitive cases, and they are honest and upfront about what can be achieved. We hope that you find this a useful resource as you protect yourself and those you love.

*Emerald may receive a commission at no extra cost to you if you buy a policy through Cura.


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Policy Summary

(File size 187Kb PDF)

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Policy Wording

(File size 192Kb PDF)

Terence Higgins Trust