Accidental death

When you first apply for life insurance cover and before it is confirmed that it is in place, the insurer has agreed to cover you for accidental death for the amount you choose for up to one month from the date SuperLife receives your application form.

The only exception to this will be if the insurer would have refused cover because of the answers you give in the application form (for example, if you have a terminal medical condition).

If the insurer wants to alter the basis under which it accepts your cover, your accidental death cover will stop two weeks from the date of SuperLife’s letter telling you about the changed terms (or at the end of the one month, if that comes sooner).

The 5 or 10 year "level cost" option

All life insurance costs more as you get older, and SuperLife is no different. However SuperLife lets you choose insurance where your cost stays fixed for either 5 or 10 years at a time.

This means that you pay more in the early part of the 5 or 10 years and less in the latter part. Overall, you will pay about the same.