A simple way to help you protect your family and their finances when you're gone, with a fixed cash sum.
Or help protect your repayment mortgage with Decreasing .
Provided by Legal & General
provided by Legal & General is a straightforward way to give your family a financial safety net. If you die during your policy term, your family could get a cash sum to help towards paying off debts, bills and other expenses.
When you take out a new policy, and are a Nectar member, you’ll get:
The number of Nectar points you receive depends on the type of policy and your monthly premium.
For more information and to find out if it is suitable for you, take a look at our Over 50s .
You'll receive your points within 60 days after you have paid 5 months' premiums.
Whether you want to leave them a cash gift or help protect your mortgage, there’s a policy to suit you. For more information about how works, take a look at our FAQs page.
Decreasing is a little different to other types of . It’s designed to help pay off your outstanding repayment mortgage if you die during your policy term. Because of this, the amount you're covered for slowly decreases over time. This is roughly in line with the way a repayment mortgage decreases. For more information take a look at our Decreasing page.
Critical illness cover is an optional extra that you can add when you take out or Decreasing . More people survive critical illnesses than ever before. This additional cover could pay a lump sum to help you recover or adjust to life if you are diagnosed with or undergo a medical procedure for one of Legal & General's specified critical illnesses during the length of your policy and you survive for 14 days from diagnosis. For more information, take a look at the Critical Illness Cover page.
Over 50s is designed to pay a cash sum that can be used as a gift or towards funeral costs. As long as you keep paying premiums, when due, your family could be paid a small lump sum to help when you’re gone.
Offer Terms and Conditions
† Collect up to £90 of Nectar points - 1. This offer is only available when you take out a new , decreasing or over 50s policy. 2. After you've paid 5 months' premiums, you'll receive 18,000 Nectar points (worth £90) if your monthly premium is over £20.00, 14,000 points (worth £70) if your monthly premium is £8.50 - £20.00 or 10,000 points (worth £50) if your premium is under £8.50. If you’ve taken over 50s , we’ll add 18,000 points. We’ll add the points to your Nectar account within 60 days unless your policy is cancelled during this period. 3. You need to tell us your Nectar card number when you apply 4. We'll award points for no more than 2 policies per household in any 12 month period. 5. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available. 6. We reserve the right to change or cancel this offer without notice.
‡ Double Nectar points offer – 1. Offer available to customers buying a new , decreasing or over 50s policy. 2. You need to tell us your Nectar card number when you apply; and scan or swipe that card, or input your card number, with each Sainsbury’s purchase. 3. Double points begin on your policy’s cover start date. If you tell us your Nectar card number after your cover start date, double points begin on the date you tell us. 4. Double points stop when the policy is cancelled or you stop paying premiums. 5. Each Nectar account can only collect points from one policy. 6. It’s only the base points you collect at Sainsbury’s that are doubled. Bonus points won’t be doubled, nor will any points from Argos, Habitat, Sainsbury’s B@nk (including travel money purchases), Sainsbury’s Energy or any other Sainsbury’s service. 7. By the 10th of each month, you’ll get a bonus point award equal to the total of your qualifying points during the previous month, up to a maximum of 20,000 points. 8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available. 9. We reserve the right to change or cancel this offer without notice.