These are theoretical examples designed to give you some idea of what cover is available for different situations. Your specific quote will depend on the amount and type of cover selected, how long you want the cover for and your own personal circumstances.

John
21 years old
Single
Income £18,000
Rents his house
Non-smoker
Owes money on several credit cards

John wants cover to be able to leave a lump sum behind to pay off his debts. He doesn't want to burden his family with his debts should anything happen.

John got £55,896 of level cover over 10 years for £5.00 a month which would pay out one cash lump sum if he died during the term of the policy. This plan has no cash-in value at any time.

Lisa
33 yrs old
Married
Housewife with 6 year old child
18 years left on mortgage
Non-smoker

Although Lisa doesn't support the household financially she is keen to ensure that should anything happen to her, her husband (who is already covered through his work) is helped money-wise to maintain the family's lifestyle and children's education.

Lisa took out £150,000 of level cover over 15 years for £8.30 per month which would pay out one cash lump sum if she died during the term of the policy. This plan has no cash-in value at any time.

Tom & Karen
40 & 38 years old
Married
Two children of 12 & 14 years old
15 years left on mortgage
Tom smokes, Karen doesn't

Tom and Karen both work but are keen that in the event anything should happen to either of them the house is secured by being covered to help pay off their repayment mortgage.

Tom and Karen took out a joint policy over 15 years providing £220,000 of decreasing cover for £33.45 per month. This would pay out one cash lump sum that could be used to help pay off their outstanding mortgage should one of them die during the term of the policy. This plan has no cash-in value at any time.

Figures correct as of 30/10/2007.