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Life Benefit

Helping plan for unexpected, as life can be unpredictable.

What is Life Benefit cover?

Life Benefit provides cover for death and terminal illness. By having Life Insurance Benefit your family will be financially secure, should the worst happen.

Do I need Life Benefit cover?

Life Benefit may be for you if your loved ones rely on your financial support or if you have a mortgage. It's designed to step in and provide assistance for your loved ones in case you're no longer able to do so.

With Life Benefit you can cover yourself up to the age of 85 for a minimum cover period of five years. In the unfortunate event of your death, your family will receive the benefit as a lump sum or through annual income under Personal Insurance. 

You also have the option to add a Waiver Of Premiums. For Mortgage Protection you have the option to take out single or joint cover. You can decide if you want your cover to be level or decreasing, depending on your mortgage type.

Life Benefit is available under our Personal Insurance Plan and Mortgage Protection Plan. You can combine our Life Benefit with Critical Illness cover, find out more

What's included?

✔ Death and terminal illnesses cover

✔ Cover provided for a minimum of 5 years up to age 85

✔ Option to add Waiver Of Premiums

✔ Personal Financial Advice, face-to-face or video appointments

✔ Additional options for Mortgage Protection - single or joint cover and level or decreasing term

✔ Guaranteed option to increase cover as your circumstances change.


Finding the right protection for you

Our protection products are designed with clear straightforward terms. We will be there to offer you a bespoke solution to meet your specific needs. It doesn't have to be expensive either, personal insurance starts from just £10 a month.

You'll be joining a mutual organisation whose purpose is to enhance family and community well-being. We support our members by helping them in save for the future and protecting their families. And we actively give back and make a difference in the communities they live in.



And those you love


Supporting you after a claim

You can't prepare yourself for the emotional challenges of a life limiting illness, and there's no manual on how to deal with grief. Whilst we can't change these events, our protection products offer a Peace of Mind service.

This specialist advice service is staffed by experienced nurses who are on hand to offer expert help and guidance. Should the worst happen, your partner and children will have access to bereavement counselling with up to six sessions at no extra cost.


Free will preparation service

You can protect your family with a free, personalized online document preparation service. From the comfort of your own home, you can create a Will, Power of Attorney, and healthcare directives.

As a member, you have access to this benefit and more. This includes helping your local community through volunteer grants, taking part in or organising Family Fun events. There's also the opportunity for you or your children to apply for scholarships.


Please note: The Peace of Mind service and Foresters member benefits are not regulated, non-contractual, and are not part of the Protection Plan Terms and Conditions. They may be subject to specific eligibility requirements and can be amended or withdrawn without notice.


Personal Insurance

Key Features
Terms and Conditions


Mortgage Protection

Key Features
Terms and Conditions

Get your insurance quote

Our Financial Advisers are on hand to take you through your options and help determine the level of cover you are looking for and will provide you with an insurance quote. There is no charge for protection advice.