You never know when life's going to throw you a curve ball. That's why it's good to have a back-up plan with TotalCareMax, State's comprehensive life cover. It can take care of you, your family, and the important stuff when things go topsy-turvy.
Work out how much cover you need with our life insurance calculator.
Answer three questions and choose your level of cover.
Check your quote and add any extra cover.
Tell us about your health and lifestyle.
Submit and you're done.
Everyone's different, so TotalCareMax gives you three cover options to choose from.
If you or your children get one of the listed serious medical conditions, you'll get a payment to help you with the cost of recovery.
If you get sick, made redundant or injure yourself and can't work, you'll get a monthly payment to cover the mortgage or rent.
To get a quote, just click the orange button, answer three questions and choose your level of cover.
We also have other kinds of quick and easy cover you can buy online.
Life insurance helps to protect the lifestyle and future of your family and loved ones if you die. The policy pays a lump sum if you die or are diagnosed with a terminal illness (with less than 12 months to live).
Almost everyone will qualify for life insurance. In the unlikely event that your personal circumstances limit you from a full life insurance, there are less comprehensive 'guaranteed acceptance' life products available, such as accidental death and funeral cover.
Everyone is different and has different needs. You need to consider how you can adequately meet your debts, to ensure that those you leave behind aren't burdened financially. While we are not able to provide advice on this website, you can use our 'life insurance needs calculator' to help with your decision. If you buy life insurance online, there is a maximum limit of $1 million cover. Should you require a quote for more than this amount, please call 0800 782 835 so we can ensure you receive the right level of cover.
If you share responsibility for any financial liabilities such as children or a mortgage or if you would not manage financially if they were to die, then the answer is probably yes.
Once you have submitted your online application you'll have 15 days to make up your mind from the date you receive your policy documents. If during this time you decide that the policy is not right for you, simply return it to us and we'll cancel it and refund any premiums that may have been paid. After the first 15 days, you may cancel your policy at any time by sending us a written request.
State Life Insurance products are underwritten by Sovereign Assurance Company Ltd. State Insurance receives a commission in relation to the policy, it is not the insurer, and does not guarantee Sovereign.
The information on this website is general in nature and does not constitute financial advice, It does not take into account your individual circumstances. If you wish to consult a professional adviser, please call 0800 782 835.