Term Life Insurance

The award-winning, inclusive insurance provider

We've got you covered from £9 per month

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LIFE INSURANCE WITH NOTHING TO HIDE

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    FLEXIBLE POLICY PERIOD 
    1 - 10 YEARS

  • FLEXIBLE AMOUNT OF COVER

    FLEXIBLE AMOUNT OF COVER £10K-£250K

  • Get a quote in minutes

    GET A QUOTE IN MINUTES

  • CASH PAYOUT UPON DEATH

    CASH PAYOUT UPON DEATH

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I want insurance based on inclusion, rather than exclusion.

Heidi McCormack, CEO, Emerald Life

UNIQUE SERVICE
TAILORED FOR YOU 

THE EMERALD DIFFERENCE


  • No awkward phone calls & no complicated forms
  • Call centre and claims handling staff specially trained in diversity 
  • Get a quote in minutes

PROTECT THOSE YOU LOVE


  • Life insurance for over 50s - cover up to 66 years of age
  • Guaranteed no increase in payments over the policy term
  • Pay financial obligations and safeguard family & friends

FULL DETAILS

Download icon Policy Summary

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(File size 187Kb PDF)

Download icon Policy Wording

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(File size 192Kb PDF)

FREQUENTLY ASKED QUESTIONS

+- Are my premiums fixed?

Yes, your monthly premiums are fixed for the duration of your policy. They’ll never increase in price at any stage during your policy term.

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Will the payout remain the same, regardless of when it occurs during the policy term?

Yes, the agreed payout amount will remain the same at any point within the duration of the policy.

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I am HIV positive and/or have Hepatitis B or C. Can I get Term Life cover with you?

Emerald’s term life policy does not yet offer cover to customers who are HIV positive or have Hepatitis B or C. However, we’ll refer you directly to our partner, Pulse, who can help you get the cover you need. Pulse are LGBT diversity-trained and experts at helping customers secure the right cover.

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I’m unable to meet the monthly payments on my policy. Will my policy lapse?

We operate a 15 day grace period on premium payments. After 15 days, if the premium remains unpaid, your policy will be cancelled and you’ll no longer be covered.

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Do you pay out during the term of the policy with the event of a diagnosis of a terminal illness?

There’s no pay-out when you are diagnosed with a terminal illness. Our policies only pay out upon the death of the person whose life is insured.

If you’re looking for cover that pays out upon diagnosis of a terminal illness, you might want to consider a critical illness policy. This isn’t something that Emerald offers at the moment.

EMERALD SUPPORTS
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Stonewall
Human Dignity Trust
Diversity Role Models
The Albert Kennedy Trust